Total waste of money
YNAB does not have integration with Australian banks. This means that all transactions need to be inputted manually which defeats the purpose. Customer service refuse to provide a refund despite the product not fulfilling its basic functions and have passed on the blame to Apple. Avoid at all costs and use a free budgeting app.
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Budgeting apps are pointless if they don’t work
What is the point of a budgeting app that consistently fails account verification and has a black hole help desk? Couldn’t verify my bank after three attempts over several hours, and no reply from support. After reading some of the recent reviews, it’s clear that the free year I got for being in grad school was still too expensive. Pen and paper will be my ride-or-die, I guess.
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Never worry about $
I love the ease of use! Whenever I go through budgets with other people, I always recommend an investment in YNAB!
Life changing
There is admittedly a learning curve, but once you learn how YNAB works it is life changing. I finally have ownership over my finances.
Budgeting Changed My Life
Having a budget that tracks all my spending for me decreased the friction of budgeting. I paid off $18k of credit card debt in 1 year, saved for a mortgage down payment, and became adept at “budget laundering,” the art of moving my money where it needs to be, because I understand my money well enough to make it work for me. Thanks YNAB! Daily financial freedom is attainable when every dollar has a job.
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What’s the point
“Can’t connect to my institutions” - a major bank? And the pop up literally says “this kind of error takes time to resolve so you should connect another account”. Well I only have one account so what good does this do me? What a waste of time.
YNAB has been essential
I teach at a public school in an expensive city located in a state which competes for the inglorious title of lowest teacher pay in the country. There is no way I could have the relatively low-stress levels I have around money today if not for this app (did I mention I’m also divorced and have a daughter to raise - and you saw that I teach public school, right?). YNAB is life-changing because of the clarity and foresight it has brought to my finances. There is a learning curve, as they say, but sticking with it is worth it. I can honestly say I don’t know where I would be without this app and all the useful instructional materials YNAB offers to support its use. If you feel stressed about money because you do meaningful work that is underpaid, I assure you using this app will give you hope and set you in the right direction.
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Leaving YNAB due to how poor this app is
Updated for July 2026
After more than a decade, I'm moving away from YNAB due to how poor this app has become. The concept is fantastic and I will continue to use it, but this app is AWFUL. Complex, confusing to use, lots of friction - every update adds more and more friction, more clicks, more pages, hiding the budget even more. When I complain, I get breezy "it's to make things better and easier, exciting things are coming!" type responses, rather then engaging with what I've said. I don't use 99% of the features I am paying hundreds of pounds for. I just want to budget quickly and easily, and YNAB has made that impossible.
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I've used YNAB for more years than I can count.
Every update makes something more complicated or adds more friction to how I use YNAB. Month by month, quarter by quarter my budgeting is getting harder to understand, harder to search, to set targets for, to plan. On top of this, the subscription price has gone through the roof - for features I never use. Honestly, I can't imagine most users are even using the features that are being added, they just seem so pointless. Just leave it be - it was a great, clear product - now the nugget of greatness is obscured by complexity and faff.
- adding a new category is multiple taps to a hard to use UI, takes seconds to respond to the tap, and then throws up an error that the category is already present. Awful UX.
- every time I use the app, I have to tap into my transactions. I don't care about "home", let me delete it, it is absolutely useless to me. I want my BUDGET to be front and centre, that's what I use YNAB for, THAT is my priority.
- Transaction list has loads of white space making it hard to review.
- searching throws up rows and rows of irrelevant "suggestions" obscuring my search results
- the list goes on and on and on - every new release makes it harder to use the app, and adds pointless features I don't use or care sbout
After more than a decade, I'm moving away from YNAB due to how poor this app has become. The concept is fantastic and I will continue to use it, but this app is AWFUL. Complex, confusing to use, lots of friction - every update adds more and more friction, more clicks, more pages, hiding the budget even more. When I complain, I get breezy "it's to make things better and easier, exciting things are coming!" type responses, rather then engaging with what I've said. I don't use 99% of the features I am paying hundreds of pounds for. I just want to budget quickly and easily, and YNAB has made that impossible.
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I've used YNAB for more years than I can count.
Every update makes something more complicated or adds more friction to how I use YNAB. Month by month, quarter by quarter my budgeting is getting harder to understand, harder to search, to set targets for, to plan. On top of this, the subscription price has gone through the roof - for features I never use. Honestly, I can't imagine most users are even using the features that are being added, they just seem so pointless. Just leave it be - it was a great, clear product - now the nugget of greatness is obscured by complexity and faff.
- adding a new category is multiple taps to a hard to use UI, takes seconds to respond to the tap, and then throws up an error that the category is already present. Awful UX.
- every time I use the app, I have to tap into my transactions. I don't care about "home", let me delete it, it is absolutely useless to me. I want my BUDGET to be front and centre, that's what I use YNAB for, THAT is my priority.
- Transaction list has loads of white space making it hard to review.
- searching throws up rows and rows of irrelevant "suggestions" obscuring my search results
- the list goes on and on and on - every new release makes it harder to use the app, and adds pointless features I don't use or care sbout
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New UI is Cumbersome
The new UI has made everything harder. Cleared vs not cleared transactions is foundational to what this app does. Now I have to click a bunch more times to mark things as cleared since they decided to nest things in dropdowns instead of the scrolling model that worked so well. They keep adding friction to things that are the most important and putting front and center things that are less important. I’m close to moving to a new solution if their direction continues
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Changed my life
It has completely changed how I view money and has made my life so much easier, highly recommend.
Life changing
Using YNAB will change your life in all the best ways.
Chinese pls
Support multiple languages pls
Gamified garbage for non-adults
I don’t need or want confetti on app startup, with a 10 second cartoon that fearmongers to get my anxiety up.
App fails to compare to Every Dollar in several respects
I downloaded this app in hopes that it would be an improvement on Dave Ramsey’s EveryDollar app. And in some respect, it is better: it allows you to work with credit cards and on the desktop version gives an accurate total of the months available to spend category. EveryDollar app does that total in terms of accumulated funds available. However, this app does not have a feature of manually forcing the app to update transactions from a bank. For my banks that sync via MX, the app syncs hourly, which is fine. But the banks that sync via Plaid don’t update it all except for the initial sync. And there’s no way to manually force a sync, unlike EveryDollar. Which defeats the whole purpose of a budget app: having a good idea in real time what money is left to spend. But if my spending is not showing up in the app in a timely manner, that simply makes the app useless. I definitely would switch over to this one if there were a Manuel bank transaction update feature.
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Unable to register or sign in
Unable to use the app. I’m prompted to Sign in with Apple or Google or to use a email and password. None of the options work. When I tried Apple it says the Apple account is not currently linked to a YNAB account and to try email and password. Well, I’ve never used the app so I don’t have an email and password to try. I tried the forgot password option in case I did make an account but I received no emails to any of my accounts. I waited 10 minutes and checked the spam folder it all of them.
There is no way to register a new account so I’m confused and frustrated. I’ve given up on this app and will try something else. 0/5 stars
There is no way to register a new account so I’m confused and frustrated. I’ve given up on this app and will try something else. 0/5 stars
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Delayed Transaction
Transactions are always delayed. Everyday they are delayed. Why is there always a giant notice saying they are delayed. You should tell us that transactions are working as intended and be grateful for it.
Great app
Loving the app the only thing I wish I could do is link an account with a certain category like putting my investment account with my investment category if that makes sense otherwise great job!
Stop breaking things
Why do you guys consistently take a good app and make is significantly worse. I have been a user for 10 years and you guys made a great application and now you are ruining it with the changes you make. Why on earth do I have to now select the “show more” option to clear a transaction. Please do a better job of testing these new “features” with users before forcing them on us. The best part of YNAB is the simplicity and ruining that is going to make me leave.
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Changed our finances
I am a CPA. I am familiar with budgeting in general so I was looking for an app that would meet my high standards in what I think a budget should be. This exceeds expectations! Using this app has allowed us to save enough money to invest in a higher interest savings account. The monthly interest earned exceeds the monthly cost of this app. This app pays for itself!
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Fun, Practical, Helpful
I really like this budgeting app. It teaches you a thing or two about budgeting. I am putting into practice zero-cash dollar budgeting.
I have found some difficulty connecting to cards using MX, when not supported by plaid (Sam’s Club Mastercard). I love the way I can reflect on the month as a whole and see where I overspent or did very well in.
I would request a new feature that can be incorporated into the reflect tab, and easily accessible on the dashboard tab for the current month. I want to write reflection notes. I used this app the first month of July to know where I will end up in my bank account by the end of the month. I want to take note of a few changes or goals this month so I can stay on track and get a month ahead.
When budgeting for a debt free life, i find myself using a lot of mental bandwidth calculating balances, possibilities, opportunities of investment in side businesses, etc. Notes would help a lot so i can know what I already concluded a week from now and not try to recalculate and recheck my work. Maybe it’s just me but i get tunnel vision sometimes when i stress about finances and forget the bigger picture plan i already made the week before or month before.
I have found some difficulty connecting to cards using MX, when not supported by plaid (Sam’s Club Mastercard). I love the way I can reflect on the month as a whole and see where I overspent or did very well in.
I would request a new feature that can be incorporated into the reflect tab, and easily accessible on the dashboard tab for the current month. I want to write reflection notes. I used this app the first month of July to know where I will end up in my bank account by the end of the month. I want to take note of a few changes or goals this month so I can stay on track and get a month ahead.
When budgeting for a debt free life, i find myself using a lot of mental bandwidth calculating balances, possibilities, opportunities of investment in side businesses, etc. Notes would help a lot so i can know what I already concluded a week from now and not try to recalculate and recheck my work. Maybe it’s just me but i get tunnel vision sometimes when i stress about finances and forget the bigger picture plan i already made the week before or month before.
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