Truly the best budgeting app out there. Unfortunately they recently started using Plaid to connect to bank accounts. Plaid is not only very sketchy (has been called out by many banks for parsing irrelevant data from the website) it simply doesn't support several banks that I use (even though it says that it does). So while I think it's worth manually maintaining my own transactions, you may not. It's a shame they can't figure out what everyone else seem to have already figured out: accounts.
Tina England
Confusing, subscription is expensive for occasional use. The basic budget functions are okay, but trying to move beyond that into a 5 year plan is impossible. The app isn't at all intuitive for me, and I don't have the time or patience to devote days learning a new method. This is supposed to make life easier. Maybe I chose the wrong app.
Ian Adams
It is by far the best budget app I've used. I've been using it for years now. Best feature is, most budget apps will simply go into the red for a line item. But still let you think you have enough in another budget. But you don't, since you're in the red. YNAB encourages you to move money to keep things out of the red. I was able to easily onboard my wife when we started sharing expenses. Price for a year is respectable. I don't see myself ever using anything else.
Nathan Zimmerman
The more I used it the more confusing it got, but this might just be harder when trying to budget for 2 people on a single account. The UI doesn't really explain why the budget bars are divided and the credit card payments are very difficult to categorize on mobile. I can spend the same amount of time just using an excel sheet.
M D
This is a great budget app, full stop. I like that it deals only with money you actually have, which is an issue I had with Everydollar. I have one big complaint though. I signed up for the yearly subscription, and I thought I'd already paid. Either way, the app auto-adds a budget item for the subscription but sets the due date for NEXT YEAR. I have to reshuffle my money to cover the subscription. I'd also like to see a one-time paid lifetime license rather than a perpetual yearly arrangement
Ted Kunhardt
It takes some getting used to, but I wouldn't use ANY other budgeting app. It's impossible to go over budget with the methodology. Everything syncs and rolls up clean (even if you don't understand why at first). Makes you think about money differently. I believe the methodology is rooted in double entry accounting, but it's woven into how the app calculates your transactions and presents the money you have left. Fantastic!
Andréa Withrow
not as robust or as good as The web app. when paying off my credit card I have to go to the web app because I can't find the category and the phone app. otherwise this is fantastic. I've been able to accurately pay so many bills, and plan for surprises. I've only been using this since February (two whole months) and it's been a game changer. I came from mint and mint was really not good at helping me save money, just tracking money, so less of a budgeting tool and more of a tracking tool.
Taliessin Wescott
USER BEWARE: PREDATORY AUTO SUBSCRIPTION installed app, poked around for a few minutes and then closed it and decided it wasnt for me. forgot about it. was uninstalling unused apps yesterday and when I uninstalled got popup saying I had a subscription! I look and they had auto subscribed me to a YEAR subscription. contacted support and they said they would not refund the $100. I never signed up for a year subscription. I used this app for all of 10 minutes.
Lisa Finger
I'm coming up on a year since I started using YNAB. It has changed the way I look at money and more importantly, how I save money. I've used other budgeting apps over the years, but they did not have the support system to help me learn how to create a budget that works for my family. With YNAB, there are video tutorials on their website and YouTube that teach you about budgeting and for the first in my life I'm controlling my money instead of my money controlling me.
Deirdre C
learning curve. comprehensive. nice to see all finances in one place. YNAB way is to put ALL monies available into a a pot called "ready to assign" and assign to various budget items from there. all well and good - unless you keep several different POTS. after a while - when monies are assigned you have to do sleuthing to figure out which POT that assigned money is stored in. Brokerage accounts are uploaded to tracking only - can't be used for budgeting
