There is no other budgeting app as good as YNAB. The subscription pays for itself and then some.

So many bugs in YNAB. Like the text box popping up on the website. Not being able to group snooze categories. Several others. It seems like YNAB is going backwards. Maybe consider considering going back to Quicken.

The best envelope budgeting system for those of us using plastic and not cash. I had been looking for a while and trying to do this manually on a spreadsheet, which was horribly challenging. YNAB is user friendly, thorough yet flexible. I tell all my friends and family about it and it’s one of the few apps that I am willing to pay a subscription!

Hands-down, the best budgeting app I’ve ever tried. It’s incredibly easy to navigate, yet still produces deep insights have that helped me understand my families spending habits in depth. This is allowed me to take control of my personal finances in a way I didn’t think possible, prior to using the app. I can make more informed decision, while spending less time on personal finances.

I discovered YNAB when it was a desktop app in version 3. It set our finances free and we’ve never lived more securely financially. Job loss, moving, heart attack, children going to college and getting married: we’ve seen a lot and rolled through it all thanks to clear financial facts. I haven’t had a car payment in years and Lord willing, I never intend to again.

My cousin sold me on trying this app, I had some free time and figured I’d give it 1-2 hours to set up… well if you have ANY professional experience in finance and budgeting, prepare yourself… this is NOT a simple setup, and there is almost no help in the app. —The provided tutorials have only the most rudimentary understanding of how to budget, and did not address how to set up assets and liabilities, debit accounts versus credit accounts, etc. It was very disappointing and frustrating at first (I actually deleted the app twice). But 13 hours later I eventually found Nick True on YouTube, and his setup and special topic videos were extremely helpful. It honestly seems like the development and customer service teams are not actually users themselves. They should recruit from actual users in the genpop. Good luck to any new folks!!

Gives you power of your money, your spending and life. No longer worried about covering expenses well into the future. Lets us live life with joyful abandon while still paying the light bill.

After 2 months trying to figure out how to make ynab work for me, I found out that I was working for it. The time I spent trying to make sense of all the targets and reconciliation and accounts that won't sync, etc... was literally replacing the time I used to spend figuring out how to better spend my money. I know lots of people like it and it may be working for them. But to me it just ended up like a numbers game where you have your own side spread sheet and trying to make sense of the numbers. Winning shifted from actually managing money wisely to the fake joy of making the numbers match.

I work in software development, and I know sometimes bugs happen. But for at least two months, my app is not syncing my changes made from the browser UI, and from the browser to app. I have used YNAB for a long time - maybe a decade? - and I depend on it to keep my info accurate. It’s looking like it’s time to look for another budgeting app. :/

Another 10-year plus YNABer here. I love the product and the philosophy and have told hundreds of people about it. I’ve even taught it, for fun, in my own free time. But the mobile app has just been getting steadily more confusing, sluggish, and cumbersome. I can’t use the mobile app anymore. I’m so tired of how much more complex everyday tasks like assigning funds and ESPECIALLY moving money between categories has gotten. Splits are more irritating, transaction categorizing is more irritating, and lots of little things no longer make any sense, like the fact that it wants to call your budget a “plan” now (not a budget) except this product doesn’t have ANY PLANNING FEATURES (and we used to claim it was a “feature” that it didn’t “let you” plan using money you didn’t have. Well, now it’s a “plan” that you can’t plan with that is called You Nee a Budget (not a plan)… lol!) All in all, I’ve gotten really fed up with the product’s direction over the past 18 months, and this is one of the few products in my life I had believed I’d pay for forever and ever because it was absolutely perfect, and helped me so much. The method is still great — but now I’m just not sure if I need the hassle, and I’ve decided to give up on the mobile app entirely. The joy and ease of using it is gone, and in its place is … (what?) I don’t really know what I can point to as an actual improvement since Custom Views came out many years ago. These days, the “improvements” are letting you rearrange your accounts list the way you could before someone took that away. Look, this was my favorite piece of software for YEARS - something I loved so much I wouldn’t shut up about it. It feels like a betrayal.