YNAB

paid for the subscription so I could link my accounts automatically, but they rarely / never work. Im constantly resetting them or adding transactions manually. I want to like it but overall its very frustrating. I reached out via the live chat and the customer service rep said I'd just have to enter my bank transactions manually. Then I had a one on one consult, which was very helpful with learning some of the ins and outs. but the bank connections still don't work at all.

Not very automatic. I read that this was a great app for bi-weekly budgets, from multiple forums and reviews. With that I expected that I could put in my pay dates, and my monthly bills, and it would automatically allocate my bills for that pay period. It does now. It still does it for the month and you constantly have to manual make adjustments and assign transactions. There's hardly any automation for a biweekly budget.

solid foundation for a budget app, accounting for each dollar every month. but it struggles with credit cards, and I wish there were more analytics like for spending trends, maybe visuals of income vs spending, maybe a breakdown of budgeted funds. the features are a little sparse as is, for the over $100 price tag. I'll be debating whether to renew this year.

I'm on the free trial and this app is kind of weird. I set a yearly budget for a few items and now it's saying I need to allocate that all in 2 months because it's at the end of the calendar month now? Not prorated at all. Very weird. I also don't understand how it's supposed to work. Do I only assign money that has been spent? Hopefully it gets better once I figure it out, but there is a definite learning curve and no real instructions.

A recent update fixes the can't-cut-and-paste bug, and the forced-into-us home page with no option to disable, while annoying, isn't a deal breaker. The only thing keeping them from 5 stars is the high $ subscription that will follow you your entire life (instead of a single payment). If you can afford the never-ending & occasionally-INCREASING subscription fee tho, it's a fantastic app

7 Years In I can't believe how much this app has become part of my financial life. I love using it and when I think it couldn't get any better, they push an update that makes me happy to pay the annual fee. I've saved that much and more thanks to the money awareness this app has brought me. Push through the steep learning curve, friends! It's the kind of software that you'll learn incrementally, and when you've mastered one part, you'll discover another that helps you with your next $ goal.

Been using ynab since version ynab3. Over the years it's gotten more bloated. There is now some type of home advertising page you have to click through to get to the actual app now. Considering changing budget tools in the future. Maybe I'm in the minority, but the new "features" they keep adding are a step back for me. Sometimes a bit more basic is better. Last, they now call it a plan instead of a budget in the app which is a bit funny since it used to be focused on you need a budget.

I strongly dislike the new UI... super bloated. I just want to open the app and go straight to my budget... I mean plan. I now need to bounce between tabs. I don't want a "social experience" when I go into the app. I literally want to check my budget and go into the accounts. Even the spending account now is one giant flow of all my accounts which I will never use as I segregate my spending by account and that's just a confusing way to look at the data. -long time listener first time caller.

I have been a user of the ynab app for years and am totally bought in on the philosophy. That being said, the new UI is a huge miss. The home tab is useless, it's taking me more clicks to get to useful information, and some of the most recent terminology changes are actually nonsensical. I hope they'll start focusing more on the reflect tab. That's where I see the biggest area for opportunities. Best of luck ynab, I'm rooting for you.

Was a great app and service. The recent UI change has been a big downgrade, especially the Home tab, which presents unnecessary information and a distracting badge. There is no way to turn this off, so it's yet another thing we need to learn to ignore while using our devices. I'd love to be able to customize the tab bar, and would turn off Home and Spending. I'd also turn off all badges, if that were a setting. Update: Moving to Tiller and Excel in 2026.

YNAB is the single best budget tracking app I've ever had. It has almost every single feature I've wished for when tracking other ways. the only thing it can do yet is take a percentage of the paycheck and automatically put it into a category. But I don't mind that too much as it helps me know that I've moved the money. I mean seriously, the categories and sub categories are incredible. I know I'm gushing but I do literally recommend this app to everyone. Totally worth the subscription.

The new update which adds a home landing page has created more bloat on the app. It is unnecessary as it creates yet another step to add or review purchases. Yes, it's only one extra click to go straight to your plan page, but it shouldn't be an extra click. Also, if you add pinned categories in the home page they will duplicate when you are selecting a category. So it will be pinned categories and then the regular non pinned. If you're going to do a home page, let me choose what I want to put.

I honestly love using YNAB to track my expenses. For those that lack the excel expertise to make a budget sheet or for those that need something a bit more streamlined and convenient, YNAB is the app. I mostly use YNAB on Mobile since it's so easy to see your budget and add transactions on the fly. I do wish the mobile version had the same "Report" features as the desktop version, especially that pie chart. A guy can dream. UPDATE: Little late, BUT THEY ADDED IT!! Ugh, they truly listen! 10/10.

I've been a subscriber for around 6 years. The YNAB team has been making odd choices for a while, changing the word "budget" to "plan" a while back and now forcing the app to open on some new home screen that just adds extra steps to the budgeting process. Give us the option to choose what screen is displayed when you open the app so I can force it to open to the budget...I mean plan. And stop adding "features" that nobody is asking for in an attempt to justify all the price increases.

Love this app! It became our constant companion and guide to slowly fixed our finances, & mindset about money - where it'll go and how it'll be spent. If you're looking for a path to fix your finances, & deal with that stress, try this app, learn a little each day, give it time, & soon you'll realize, how far you've gone from where you started. Added benefit: peace of mind.

Update again: no checkboxes for the transactions to approve? I have to click EACH ONE manually? First: I LOVE YNAB!!! But this app update. No. Just no. I can't find anything. It's not intuitive. It has way too much (irrelevant to me) info on the home page. The Spending tab is a mess. It lists ALL my pending transactions first, and I have many in there. I can't find where the actual today and previous transactions start! And the color is... not pleasing... Please put the app back to what it was!!

I loved YNAB but with the addition of Home it's significantly worse to use. Home is genuinely maddening to deal with, and offers nothing that wasn't easier with the Plan pg. YNAB was a simple budgeting app that would auto import my transactions but within the last 6 mos it has ceased to successfully auto import transactions (disconnects from my bank every 3-6 wks) and be simple (adding unnecessary bloat) so when my year is up I'm moving to something different that will actually do what I want

I've been using YNAB since late 2017, and it absolutely changed my life. I had always struggled w/ organizing my finances, and I tried apps like Mint, but I always ended up out in the weeds with them. YNAB's simple envelope approach is straight forward & easy. I mainly use the web app, but the phone app is great and keeps improving. As well, their blog and video library is extensive, and there's tons of support. YNAB is a priority subscription for me.

YNAB streamlines and simplifies what I've been trying to do with a spreadsheet for months. I went with the annual fee and it is absolutely worth the $9 per month because it's saved me hundreds each month. i went from living pay check to pay check to now having a 2k buffer in my bank account at the end of the month after just 2.5 months with the app. Im way less stressed and much more balanced with my money. Thank you ynab!!

if your tech savvy and have time on your hands this may be the right app for you. But if your a busy mum or you work a lot this app is fiddly and doesn't update clear enough. I watched videos for help, even joined community groups for advice but found myself exhausted I don't have time to keep sorting what the app should be doing and cos the app won't stay in sync I found myself constantly editing. it's too confusing and overwhelming for me. I'm sure it works for some folks but it's not for me.