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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 6 reviews
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

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!


Let customers speak for us

3612 reviews
IRS Tax Bill Tracking Chart
Susan Carton-Lopez
Love it!

My husband and I are just getting started on the journey of paying off our debts with the Ramsey baby steps. It’s a daunting process, but the Game of Loans debt payoff tracker makes it almost fun and helps keep us motivated to reach our goals. We’re also using the spending tracker because, let’s face it, not tracking our spending is how we got into this mess. Thank you so much for making these!

It’s nice and it helps me

I am from Germany and I cannot write English but I like it and love it😂

Game of Loans Tracking Chart

Great tracker!

Great tracker!

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