I used this app for years until they stopped being able to import my transactions from my bank. Their solution was to manually input every transaction. No thanks. Hope this does not happen to anyone else.

Jun’25 Update: Down another Star. Suggestions-1) When entering a Memo, add a Done button at top right as you have in Split Memo, but change the Done key in the Split Memo field keyboard to Return. Suggestion-2) Add a link to show a list of Upcoming Transactions in the Warning section of Category Details in Budget View. Suggestion-3) show Memo field for each Split without having to click the 3-dots Menu and click again to show it. Adding an explanatory Memo is inherent in ALL Split Transactions. APR’25 update: Down 1 Star for me. Rolling Actionable Transactions into the Budget tab at bottom was an illogical and frustrating update. That’s an Account function. Spotlight ??? Importing is slower and less predictable. Matching is sketchy. Still want Income Categorization: YNAB was recommended to me by a Dave Ramsey course instructor in 2009. It was helpful in getting my mortgage paid off, but now I just use it as a means to keep track of diverse retirement incomes, purchases, bills and balances. So I am not your target user, for sure. (If You need a budget, I recommend this system wholeheartedly and wholeheadedly: Support is accessible, responsive and even friendly. The developers are (over-actively) “improving” and there's even an ad hoc group that offers desktop browser extensions that work seamlessly — that I no longer use.) Maybe I should check in for Income Cat’s?. To elaborate, living off my savings in retirement, YNAB is one frustration after another. To wit, - … - There is no way to categorize different tax categories of Income. I have to manually post individual entries to a separate spreadsheet with Income Categories instead of using one report like Quicken offers for direct import into TurboTax; - Tracking cash balances and taxable transactions in investment accounts is tedious and you can forget linking those, as payees and categories are scrambled (Linking Fidelity investment accounts still scrambles those field entries 6//25); Transactions in Pending status at the bank are now denoted as such, thank you. But timing for Direct Import from banks is unpredictable, and Matching is sketchy. I have used Quicken extensively and tried a few others, but here I am back to YNAB hoping for adaptations for my needs. Thank you, thoughtful and clever YNAB people, for what you’ve provided for those who do need a budget ( Plan? ). I hope you expand your product functionality to accommodate retirees in the near future. Think QCD, CapGain, taxable Dividends, taxable Earned Interest.

This is the best budgeting app ever. It is user friendly and helps me not be stressed about money. This is the perfect app for everyone.

I’d like to think I’m already pretty good with my money, but on occasion it did feel like it didn’t know for sure where my money was going. The way this app is set is mostly very easy to use and has made me feel a lot more confident in my spending and saving. The only feature I wish it had was if I click on a category, I think it would be helpful to show all the transactions within that category for the month rather than having to go to transactions and sorting through manually.

This is the best thing that’s happened for my finances and family! My husband and I are able to use the features we like best - I categorize throughout the week and he gets the big picture! This has helped us learn how to save money to work towards our goals and enjoy spending money towards them!

The money I save tracking my expenses with YNAB makes it well worth the subscription. This app had better features than other budgeting apps I tried. I do wish it had an area for journaling about money goals and reflecting on specific expenses (not just overall spending).

It’s so simple to plan on the go. Love the app and the improvements they regularly make to it.

Someone thought it would be a good idea to make the app way less user friendly. It looks slick but stuff that used to take 1-2 clicks now takes 5-6. What a fail.

Always reaching out and taking suggestions

This app will hands down change your life. It’s much more than an app, it’s a complete mindset. It’ll help you align your priorities. The YNAB team truly cares about their users and are always taking feedback to make it more enjoyable. Thank you YNAB.