I’m still waiting a refund from when I canceled. They refuse to send it. Scam. Beware.

I use YNAB for my household budget, I get a lot out of doing it. However this iOS app is functionally terrible for one basic reason. YNAB should fix it and this should be a no brainer fix that someone at the company should just do. I catch up on my budget in batches every few days. There are so many animations in the app that it feels like 75% of my time doing my budget is waiting on animations to complete so I can do my budgeting. This is a completely unnecessary barrier to accomplishing the thing I pay YNAB for help with - doing my budget.

The new update freezes the app when you are changing any entry.

If it isn’t broken, why break it? I’ve been using YNAB for over a decade so I’ve seen it all. I started when you had to hold onto receipts and enter them manually. This was a lightweight, and fast application with a lot of reports you could run. Mind you, this was on the desktop. But it was its own standalone app. No internet required. It was a welcome change when they added the bank/credit account syncing. But they stopped developing a standalone app, and made you use their website to run any reports, etc. very disappointing. I’m rarely checking the app before a purchase and just manage the budgeting as the transactions roll in. The first few years the new YNAB was fine. Even good. Now I cannot say it’s good cause it would be lying and lying is bad. They started making changes to the workflow like unnecessarily creating additional steps that weren’t there before. Also, the company has seemed to develop into a type of weird cult. No joke. They had a meet up? How much did that cost to put on? Why is the company doing ridiculous things like this? It is an enormous waste of money. I have zero desire to meet any of these YNAb users, and I can’t be alone. It’s just so unnecessary and frankly, STUPID. The company has grown and grown and no doubt every department feels like they need to justify their unnecessary existence by producing unnecessary changes. It’s incredibly sad to see. YNAB is slowly but surely losing its way. It’s a shame to see. They aren’t even promoting the principles which guide the entire philosophy. The company seems lost and rudderless.

YNAB is the first budgeting tool that worked for my wife and I. After trying multiple methods, this was the one that stuck and it’s the app that really helps it stick. Having the ability to easily check on a category when you’re out shopping for groceries or wanting to make a fun purchase really helps you evaluate whether or not you can actually afford something. We’ve never been on the same page more with our finances and, for the first time, we’re actually hitting our savings goals. YNAB offers extensive and thorough help documentation and, over four months of usage, I’ve seen their ability to offer improvements and features to an already awesome product. Their YouTube content is also extremely helpful. I’ve actually found myself watching videos I don’t really need to watch just to learn something new. Take the time to set up your system and learn it with YNAB support. It’s 100% worth your time and subscription.

I’ve been a loyal paying user for years, and used to love it. For some reason lately, they’ve decided that every day they need to wholly rearrange something new - transaction review moved to a different page, cleared vs pending hidden, types of accounts split out, duplicate imports, etc. My final straw was when reconciling an account on the app started freezing the app entirely (brand new iPhone, up to date). Support’s advice was that from now on, you can only reconcile accounts on desktop. So, if I ever leave my house for vacation/ work meetings, etc. I have to pack a whole laptop just to use an app-based service that I pay for? It’s ok, if you want a 2002 TurboTax cd from BestBuy. Who uses desktop anymore?!?!

The release note say the new review results in fewer taps, but now every single transaction I need to modify (which is frequent, since I add memos), requires an additional tap. I used to be able to just tap a transaction to edit and add a memo, but now I have to go through an extra, useless menu. Why do we need this when you can just swipe to categorize? This makes YNAB so much more cumbersome to use. Please give us an in-app setting to go back to the old behavior.

Started using this app 3 days ago, and the concept was simple enough. What wasn’t simple, was the fact that when I received a paycheck, it didn’t attribute the money I assigned towards a monthly goal. On the last day of the month, one of my categories had its goal of $460 ($115 a week)saved. I got paid on the second of the next month, so I attributed $230 from the paycheck to the category, and it told me I still needed to save $460. When I tried to remove the money I had attributed, it increased my monthly goal from $460 to $690, thus making my goal unachievable that month. The fact that you can’t make mistakes or dip into your “savings” for your wants category to fulfill your needs/bills categories without it saying that you underfunded them disregards any money savvy. If I have more than a month’s surplus in a want category like dining out or entertainment, why shouldn’t I move it towards paying off a loan or putting a buffer on my grocery allowance?? I don’t need $250 sitting in my dining out category when that’s more than half my grocery bill for the month. I just don’t understand how that encourages saving “a month ahead.” I wanted a spread so I could easily see how much money I had and how much I could spend vs how much I had saved.

I’ve been using YNAB with my sibling for maybe 3-4 years. It has absolutely removed my fear of large purchases and even the guilt of going grocery shopping or buying things that I need has gone away. I plan out all my purchases in advance and when I want something instead of buying it right away I create a goal for myself in YNAB and within a few months I have found the money to buy it! Absolutely changed my life. I’m even saving for retirement and buying a house now and I only work part time due to my anxiety disorder.

Best money you’ll spend all year. Just get it and use it.