Free Year for Students is Great, but there is 1 caveat.
I really enjoyed the free first year, and being able to do a trial run to see if the app worked for me.
Some things that I found difficult were the Mac OS interface, the & sign being written as ‘ ampersand’, and also the transactions seemingly took forever to come over. Even once they did, the reconciliation process seemed very tedious and ultimately made me not want to open the app because of all the tasks that were stacked up.
Some things that I found difficult were the Mac OS interface, the & sign being written as ‘ ampersand’, and also the transactions seemingly took forever to come over. Even once they did, the reconciliation process seemed very tedious and ultimately made me not want to open the app because of all the tasks that were stacked up.
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Bad UX. Stay away.
They keep changing UX that already works, and they made it worse. To change from Inflow to Spending used to be a toggle, now it's a minimum 2-click dropdown. To mark an expense as cleared? Click "Show More" first. I was okay with increasing prices, but worsening the UX is just customer torture.
Why is it so complicated?!
I feel like this could be really useful. However I’ve spent the last 2 hours troubleshooting on how to reconcile bank account amounts with savings. All the tutorial videos seem to just want you to cancel all your different savings accounts because the app will let you save without different pots and accounts but that isn’t realistic when accounts have different interest rates and some accounts only let you put X amount in each month (regular savers) to have access to good interest rates so you have multiple accounts. I don’t know if this is just a difference between the US where the app is developed and the UK and the different terms and conditions of different banks but either way, it’s so complicated to get your head around. Luckily there is a free trial and if I can’t work it out in the next day or 2 then I’m cancelling as otherwise it’s paying £12.99 a month for more maintenance than just keeping your own spreadsheet…
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Great execution except for reports
This app is beautifully designed, is fast and syncs flawlessly across my family’s devices.
The only major downsides are 1) everything is modeled around monthly budgeting (biweekly budgeting isn’t supported strictly speaking) and 2) the reports are very minimal.
The only major downsides are 1) everything is modeled around monthly budgeting (biweekly budgeting isn’t supported strictly speaking) and 2) the reports are very minimal.
Stop making superfluous changes
The developers can’t help themselves making pointless changes for the need for change. Now when I clear off new items I get a dialog box to clear. Please stop. Streamline the app and then leave it alone.
Grateful
I’m grateful for this budgeting app. It has made managing money so much easier. There are times I get behind and with access to import transactions I can always stay up to speed with my finances.
Meh
I have a strict budgeting system that I do mentally. None of these budgeting apps are good enough. They are either lacking important features that help with organization or they over complicate budgeting like YNAB.
App
Syncing for bank is extremely slow and doesn't update. Sometimes days later and still doesn't update the right amounts and never matches your bank account! Don't buy not user friendly either!
I finally have my money under control!
I cannot recommend this app enough for anyone who is in desperate need of a budget! We finally have our money under control and no more terrifying moments of “how are we going pay our credit card” this month! Every dollar has a job and the app keeps us accountable for any and all the spending we do! We are so thankful for YNAB!!
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Would rate higher
I would rate it higher if I didn’t need to keep reauthorizing access to bank accounts everyday
Super Capable Budgeting App
This is the best subscription I have. YNAB helps my wife and me know exactly where our money is and what we can and can’t spend. It has a steep learning curve, but it is totally worth it. Give it 3 months. It’s not easy, but it transforms your relationship with money. You feel so much better spending money because you know you can. It is a budgeting app that’s built for real life.
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New UI is Terrible
Please change the UI back to how it was. The buttons are not intuitive and it’s actually more clicks to enter a transaction. I don’t why you all keep changing the product to make it worse. It was fine a couple years ago, and now it seems like each update is a downgrade. Won’t be renewing my subscription unless you can fix it back
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Year later update
Same satisfaction as last post. I started YNAB & just did not grasp how it worked. Finally after 3 months walked away. Then 3 months later opened it up & started new. It is a hard concept @ first but after 3 more months & now 6 months I have a great budget that allows me peace of mind for now - future & not living paycheck to paycheck.
Just remember Rome was not built in a day.
Just remember Rome was not built in a day.
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Good app overall, needs more data
I like this app overall. Makes it easy to track expenses and makes budgeting easier. However, I often find it is lacking in retrospective data. “How much money did I spend this month in xy or z category, and how does that trend over time?” Technically, this data is possible to pull (at least some of it), but it’s not easy and it’s not part of the budget plan itself. I wish it was easier to access. But overall, if you struggle to budget, this is a helpful tool.
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Do you ever listen to your users?
STOP making all of these stupid visual changes. I did not sign up with YNAB for you to change all the visual flags every single week. By far, this app is the worst app I have ever used. I only use the desktop app because the app that you force upon us is so badly designed that it is inferior to my workflow. Rather than ask us for ideas about what we would like to see, why don’t you just roll back all of the changes you’ve made over the past five years?
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The best
I love this app. I have a clear picture of my financial situation.
Does the job, but kind of complicated to use
This app can be very helpful for budgeting, but if you’re new to it, it’s kind of complicated. It caters well to those getting out of debt, but not to those who use credit cards without carrying a balance. I didn’t see a tutorial, but if there is one, it should be more obvious. Genuinely LOVE that it notifies you of transactions that need to be categorized and that it summarizes your spending for you to reflect on.
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Best investment
I have been using YNAB for 5+yrs and I can’t imagine not having it! I’ve started my friends and family on it and they’re hooked too. It’s helped me manage, plan, save, and keep my head above water during stressful times. Highly recommend to everyone no matter where you are in your journey!
If you’re with BMO don’t use.
I have been using YNAB for a few years now and it’s a great tool. Unfortunately I have had consistent problems importing my bank info. I was going to set it ip for my teenager to use but could not connect to his account. YNAB support said sorry we have connection problems with BMO. It’s an expensive app but it’s worth it when it works well.
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In Control
YNAB has put me in control of my finances. Even if I don’t technically use it to stay on budget, it is essential to know where my money is going. And it’s extremely satisfying to get 30+ days ahead of my expenses.
