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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

3818 reviews
Great resource to make finance visual and fun

I purchased and downloaded many of the money/debt tracking charts. I like that you can color them how you want or purchased color print versions. When I look at our finance board in our room it looks less daunting and more achievable just from these charts. Thank you for these wonderful resources to help us little people stay on track and keep our money strait!

6 Month Emergency Fund Tracking Chart

Visa Tracking Chart
Dana Anderson
Visa Debt

Super cute and specific to my goal to pay off my visa card

really great

I work in the finance industry - helping people who are struggling to pay their bills- these really help in breaking down the payments and giving people the visual sense of accomplishment

Debt Freedom Starter Pack
Sharon Windvogel
Debt Free Starter

I want to say thank you Heidi for these amazing charts. I love them and use it for everything. I have forms on my bathroom wall where i can see my progress. I currently have the Christmas chart and I'm saving for Christmas. I am almost halfway from my desired goal. Our currency in South Africa is in Rands and my current savings is R10 000. I have my daily challenges in order to save small amounts of money and it really adds up. Even saving R5 a day makes a huge difference . Coloring in those charts are fhe fun part because you can see the progress. Saving for a car as well. Have been driving my one for almost 14 years but I want to buy a car cash. Thank you for giving me the ability to do that. Then I have the 2 that I'm paying of debt. Progressing very well. I have shared these charts with my sister and friends and are super excited. Wish I could sent a photo of my charts. I'm super excited. Thank you Heidi. You have taken me to a place where I will be debt free one day. You have given me the tools to do that and I am ever grateful to you. May you be blessed in abundance for what you are doing for us..you are awesome