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YNAB Buffer Tracking Chart
YNAB Buffer Tracking Chart
YNAB Buffer Tracking Chart

YNAB Buffer Tracking Chart

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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 7 reviews
Angela Crawford
YNAB buffer tracking chart

I absolutely love all of the charts I have gotten from here. I love that I can see my progress even when I feel like the numbers aren't going down fast enough. It allows me to step back from that overwhelmed feeling and view it another way. I also find it exciting to color in the next line so I find myself adding more than I planned sometimes just to be able to color some more in. Thank you for providing these! They are wonderful!!!

Rhonda Salas

YNAB Buffer

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


Let customers speak for us

3759 reviews
Keep me honest

I love these trackers! They really keep me honest and motivated! I look forward to coloring in my sections each month. I have even shared the site with friends and family so they can also see the benefits of visual tracking!! So much fun.

Bank Loan Tracking Chart
Katarzyna Grzyl

After getting all frustrated about how long and tedious the process of getting rid of all our debts was, I found your charts and when I started coloring them I suddenly realized that the process was not as stagnant as I supposed it was and it gave me a fresh perspective and some hope of actually achieving my goals! Thank you!

Paid off my credit card chart

Such a great way to keep our credit card debt on track and enjoying our kids being able to be part of it too!



Great Chart

These charts are so motivating! I put it on my fridge to keep track of progress.