Latest update is bad
I have used YNAB for years. Gifted my daughter a subscription and few years ago and she loves it too. It has helped us both stay debt free. But this last update is causing me grief! So glitchy and not nearly as seamless as before.
True Budgeting Unlocked
I discuss money with people for a living. YNAB has helped me and my wife tremendously. We too have fallen into the “lifestyle creep” as we grow our professional careers. YNAB has helped us not only with tracking expenses, but also behavior modification. Making informed decisions with finances is so important. YNAB allows you to make financial decisions with confidence. I highly recommend this app to anyone who feels like they’re behind, needs clarity with their finances, or even is at a good place financially.
Show more
French option
I love the app but I would love a French version of it
YNAB Letting Go of Ben, Hannah, and The Budget Nerds Podcast Changed My Opinion of Them Forevor
I researched many budgeting apps before deciding on YNAB. The truth is, zero-based budgeting is no longer unique. Many apps offer the same budgeting method.
What made YNAB stand out wasn’t just the software. It was the content creators.
For me, content creators like Ben and Hannah, and especially the Budget Nerds podcast with Ben and Ernie, were the reason I chose YNAB. Their knowledge, humor, authenticity, and ability to explain budgeting in a relatable way made learning about personal finance enjoyable. They created a genuine connection that made YNAB feel like much more than just another budgeting app.
Now that those familiar faces are gone, the content has lost the personal, human touch that made YNAB different. It feels much more corporate and less authentic. When so many apps offer zero-based budgeting, it’s the people behind the content who make the difference, and that was what set YNAB apart for me.
Whenever I would get discouraged, I would watch one of the videos, especially the budget nerd episodes, as well as Hannah’s.
I hope YNAB realizes that while the software is important, the community and the people who educate and inspire users are what truly make a company stand out.
What made YNAB stand out wasn’t just the software. It was the content creators.
For me, content creators like Ben and Hannah, and especially the Budget Nerds podcast with Ben and Ernie, were the reason I chose YNAB. Their knowledge, humor, authenticity, and ability to explain budgeting in a relatable way made learning about personal finance enjoyable. They created a genuine connection that made YNAB feel like much more than just another budgeting app.
Now that those familiar faces are gone, the content has lost the personal, human touch that made YNAB different. It feels much more corporate and less authentic. When so many apps offer zero-based budgeting, it’s the people behind the content who make the difference, and that was what set YNAB apart for me.
Whenever I would get discouraged, I would watch one of the videos, especially the budget nerd episodes, as well as Hannah’s.
I hope YNAB realizes that while the software is important, the community and the people who educate and inspire users are what truly make a company stand out.
Show more
Best Budget App
I love YNAB! I have tried several budget apps but could never stick with it. YNAB works so well since it easily syncs with all my bank accounts and it handles credit cards extremely well. The notifications for new transactions are the reason I remember to stay on track, and the app looks modern and sleek and is a pleasure to use.
Show more
Best budget app ever
Been using YNAB for years and it has transformed our personal and business finances. Even our teens have their own YNAB budgets now and love it. Great customer service and easy to use. I recommend to everyone.
Farewell
After three years, I am switching to Copilot Money. On the one hand, YNAB did wonders for my finances. I have truly learned how to manage my credit cards and not carry a balance. Our savings and investments are up. Our bad debt is almost gone. But, it hasn’t been easy. A primary issue is manual and imported transactions not matching up. The interface is not user-friendly. I have wasted so much time trying to figure out why my figures are off and trying to set up my categories in a way that suits me. There are no color customizations and it needs a third tier of subcategories. The app has a section for videos and written material to explain how it thinks on the backend, but they are too general, never addressing the issue I was actually having. The people in the videos don’t get to the point. Rather than just giving me the answer I’m looking for, I have to watch a skit where they’re trying to turn it into a comedy show. The problems increasingly become worse with every major update that adds unnecessary functions, tabs, and other changes. Not only do they make the app more confusing, but they also add steps. For example, when transactions import, I can no longer manage those from the plan page. I have to go to the home page in order to review them. The review page used to be helpful. Now, it has useless features like a bar chart showing me that on average I’m spending less than I make, which you can’t even click on to get more detailed information. I’ve been asking for the same income and expense report that can be accessed on the website to be added to the app so that I could easily see my average spending per category per month in order to update my plan (a basic tenet of budgeting) to no avail. I no longer see income, and even when it was there, it lumped everything together. Overall, what was a game changer for me just a couple of years ago, is now just cumbersome.
Not only have I contacted their customer service a multitude of times resulting in long drawn out exchanges that rarely fix the issue, but the last time they suggested that I don’t create manual transactions at all and just wait for them to import on their own. In other words, I have to budget on their time not mine and wait days until the import shows up! Even today yet another error. I made a credit card payment a couple of days ago and what is supposed to happen is that I will have a deduction from the account I paid from and a credit to the account I paid to. For unknown reasons, there were three transactions, and that third one doesn’t exist in the real world. This is not the first time that YNAB has created transactions that don’t exist. I had to go into three different accounts and make sure that somehow this didn’t actually happen. Then I had to delete the erroneous transaction and reconcile in YNAB. This is exactly why I’ve canceled my subscription.
Not only have I contacted their customer service a multitude of times resulting in long drawn out exchanges that rarely fix the issue, but the last time they suggested that I don’t create manual transactions at all and just wait for them to import on their own. In other words, I have to budget on their time not mine and wait days until the import shows up! Even today yet another error. I made a credit card payment a couple of days ago and what is supposed to happen is that I will have a deduction from the account I paid from and a credit to the account I paid to. For unknown reasons, there were three transactions, and that third one doesn’t exist in the real world. This is not the first time that YNAB has created transactions that don’t exist. I had to go into three different accounts and make sure that somehow this didn’t actually happen. Then I had to delete the erroneous transaction and reconcile in YNAB. This is exactly why I’ve canceled my subscription.
Show more
Best thing since sliced bread
I make decent money and I should easily have plenty leftover at the end of the month to save. Being a single mom with three kids, all of our extracurricular activities that cost money, it all adds up. I never realized until I got this app how much wasteful spending I have. It’s really made me penny pinch and make decisions on whether I really need something or not. I’m finally paying down debt and accumulating a savings. I look forward to assigning every dollar to a “ envelope” knowing I’m bettering my situation.
Show more
doesn’t work with Wealthsimple
doesn’t work with a wealthsimple credit card + it wasn’t able for me create an account when i redownloaded the app.
long time user
I've been using YNAB for years. It's worth every dime. Definitely helps me keep my finances sorted. If it could just help me make money that would be better.
Overpriced and getting worse
I’m a long time YNAB subscriber. Like all tech these days they keep making “improvements” to justify the high price. And the software has gotten blotted and worse. You have to click multiple times for basic functions when you didn’t have to before. Do app developers think the more you click the more you engage or something? This is a growing trend across a lot of tech these days. They don’t know how to keep it simple. Go elsewhere.
Show more
Worst Spending Analyzer
I've used Copilot, Mint and many other budgeting apps, and I have to say YNAB has the absolute worst spending analyzer that is supposed to "help" you create a budget. It incorrectly categorized several expenses during the process of when it creates a budget for you, and there is no way to recategorize the expenses it pulls. It also missed really obvious recurring bills, like car insurance. I'm really disappointed.
Show more
It’s so easy!
You are going to rock your budget with this app. It is so easy to use and helps you put your money where you want it to go.
Time proven budget app
YNAB rocked our budget world since 2016, and we have loved it since then. Helped us save for things, give every dollar a job and do much more. Checkout Hannah’s podcast and the budget nerds podcasts or videos, they help a ton!!!
Awesome
Great app and worth every dollar in the savings and financial growth it returns
YNAB Is The GOAT
I don’t do reviews, but I had to let everyone know that this is, hands down, the best app for taking control of your money and life. Worth the money, worth the learning curve. NEVER worry about money again.
The BEST way to feel in control of money
This is by far the best app to make meaningful money changes. This isn’t just tracking expenses or some trick of what you should do with your money. This is a way to really see how you spend money clearly, so you can make mindful decisions that reflect how you want to live. It is easy to use and makes a huge difference in reducing the stress around money. It will make you feel in control of your money and empowered you to spend money in the way that is most meaningful to you!
Show more
Best Budgeting App I’ve used
I was jumping from budgeting app to budgeting app. I’ve been with YNAB for 5 years now and it’s great. I don’t want to swap budgeting apps again.
A few notes for those interested: it follows the envelope budgeting philosophy. If you go by another budgeting philosophy strongly, then this app might not be for you. Also if you are tracking investments, this app doesn’t support that very well. I want to manually track my investments, since if they were all automated I would be as diligent at checking them. But some do more frequent trades or don’t want the hassle of manually tracking, so fair warning.
Having said all that, I want to emphasize how broad and customizable this app is. Even with the envelope philosophy there is so much you can customize. I really love this app.
A few notes for those interested: it follows the envelope budgeting philosophy. If you go by another budgeting philosophy strongly, then this app might not be for you. Also if you are tracking investments, this app doesn’t support that very well. I want to manually track my investments, since if they were all automated I would be as diligent at checking them. But some do more frequent trades or don’t want the hassle of manually tracking, so fair warning.
Having said all that, I want to emphasize how broad and customizable this app is. Even with the envelope philosophy there is so much you can customize. I really love this app.
Show more
Corrections
Wish there was a way to see a list of recent entries, so that if there was a mistake made during a session of making multiple entries i could review to see, and correct, the error.
Changed my life
I’m unbelievably grateful I found this app. 20 years ago I used to stuff cash into envelopes and when everything started going digital I could never get a grasp on finances like I had then. I’ve gone from living in a state of fear about how or if I was going to be able to pay next month’s bills to having multiple streams of savings and being months ahead on bills. I’ve never been so financially secure in my life, thanks to YNAB.
Show more
