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YNAB Buffer
YNAB Buffer
YNAB Buffer

YNAB Buffer

Regular price $0.00 Sale

YNAB - You Need A Budget, is a great zero based budgeting software that actually tells you how much money you have left to spend in each category of your budget.

A great strategy that YNAB recommends is saving up a "buffer", basically a month's expenses, so that you can begin to live off last month's income. When you save enough to cover a month's expenses, you can begin to save your paychecks for the following month, and pay all your bills as soon as the month begins. No more waiting for payday to be able to go grocery shopping.


Each chart is a single page and will look exactly like what is pictured, but without the colored portion (that's for you to color in as you work toward your goal).

For a full tutorial on how to use the chart Check out the How To page.

Both the Original black background and the Outline versions are included, you get them both automatically! 

This is a digital download, you get immediate access, and can print as many times as you like. Nothing will be shipped.

All products on this site are for your personal use only.

Thank you for using Debt Free Charts, and I wish you well on your journey to debt freedom!


Customer Reviews

Based on 5 reviews
Yulia Colon
The perfect addition to my budget planner

I love all your charts since they let me customize my planner to be exactly what I need it to be. My days never pan out in a way that a commercially offered planner would be of use to me with minimal changes, so I depend on custom sheets to create my own. Websites like yours make my life soooo much easier. Thank you for all the inspiration!!

Fatinah Sabudin
This is Fun!

It's fun and somewhat motivating colouring the amount that i deposited.
Thank you for making this chart :)

Iva Vanner

YNAB Buffer

Sabrina P
Charts make saving and paying down debt FUN!

Love all the charts offered from here. They offer a great incentive to keep myself saving up funds! The car loan one was so fun! Now I'm onto my YNAB buffer to get me budgeted months ahead and have my money ready to go for expenses.
10/10 would recommend!

Lynette Hackney
Help to stop living paycheck to paycheck

This chart is a great visual that will encourage anyone to keep on keeping on. I hope to soon have more money than month.


Let customers speak for us

2683 reviews
Spending Tracker
Rebecca Price
Debt Free Charts

Love love love these! Great for incentives with goals!

IRS Tax Bill Chart

This chart helps make paying this "painful" bill a colorful challenge. Like all the charts I have used the visual progress help motivate me to stay focused on my goals. Thank you for your work.

Stephanie Gaudreau

Thank you!! Our family lives the motivation your charts provide


Great worksheets! Thank you!

Debt is Going Down
DAWN Shearer
Debt charts