YNAB

APR’25 update: Down 1 Star for me. Rolling Actionable Transactions into the Budget tab at bottom was an illogical and frustrating update. That’s an Account function. Spotlight ??? Importing is slower and less predictable. Matching is sketchy. Still want Income Categorization: YNAB was recommended to me by a Dave Ramsey course instructor in 2009. It was helpful in getting my mortgage paid off, but now I just use it as a means to keep track of diverse retirement incomes, purchases, bills and balances. So I am not their target user, for sure. If You need a budget, I recommend this system wholeheartedly and wholeheadedly: Support is accessible, responsive and even friendly. The developers are (over-actively) “improving” and there's even an ad hoc group that offers desktop browser extensions that work seamlessly (that I no longer use. Maybe I should check in for Income Cat’s?). For me, living off my savings in retirement, it’s one frustration after another. To wit, - … - There is no way to categorize different tax categories of Income. I have to manually post individual entries to a separate spreadsheet with Income Categories instead of using one report like Quicken offers for direct import into TurboTax; - Tracking cash balances and taxable transactions in investment accounts is tedious and you can forget linking those, as payees and categories are scrambled (Linking Fidelity investment accounts still scrambles those field entries 3//25); Transactions in Pending status at the bank are now denoted as such, thank you). But timing for Direct Import from banks is unpredictable, and Matching is sketchy. I have used Quicken extensively and tried a few others, but here I am back to YNAB hoping for adaptations for my needs. Thank you, thoughtful and clever YNAB people, for what you’ve provided for those who do need a budget. I hope you expand your product functionality to accommodate retirees in the near future. Think QCD, CapGain, Dividends, Interest,

Escape poverty by creating a surplus of wealth. Don’t forget to vote for UBI so we can all live in a real utopia.

My linked account unlinked often and was inaccurate. I had other various issues with the app simply not working correctly. Should probably be a free app until it works.

Before YNAB, I juggled multiple accounts—bills, emergency savings, backup savings, daily spending—but had no real clarity. I usually had money, but never knew if it was truly working for me. Now, just two months in, my emergency fund is untouched and growing, I’ve built an income replacement fund with over a month’s expenses, and I’m funding next month’s budget mid-month. I’ve even started keeping all my money in a high-yield savings account, which doubled my interest last month. YNAB helped me stop guessing and start being spendful—intentional and mindful with every dollar. This is hands down the best financial decision I’ve ever made.

Since recent updates my inbound transactions to review are all showing $0

They just keep making it better! Super fast Apple Card transaction sync, this new Spotlight area for months ahead, spending breakdowns, and consistently great support humans. Heck yes.

YNAB has more features and options than any other budgeting app.

This App is a cool idea in theory, but in reality it’s a budgeting app for toddlers. It doesn’t work well. After the free trial they auto-subscribe you to a year long membership for $109. That would be okay if it worked well, this app functions very poorly for anyone trying to plan and follow a proper budget. I would like my money back-as I don’t use this app because it doesn’t work for me.

Half the time when I launch it hangs on the launch screen and I have to force restart it to finish launching

Thanks, YNAB /s. You've now brought me to the point of turning off automatic app updates for the first time in over 5 years. The app is getting way too busy with stuff I will not use. I still want my dots back (without having to tap "select"). I will not use the spotlight thing. The only recent-ish change Ive liked was the added reporting. Seriously, can I get the last version back that had the selection dots on by default?