YNAB Reviews 

I have used this budgeting app for 1 yr and paid off my credit cards and stayed out of debt since.
Just renewed this app for another year.
Love it.

Very easy to use, helps me organise my finances and keep an eye over them, allowing me to stay on top of things. Highly recommended!

The easy and practical GUI. The dashboard so so intuitive. They also respond fast.

Once you get it, you will never go back. Saved a bunch of money and can track all my expenses.

Used some video guides to set it up and some tips. And have been using it for almost 2 years.

Thank you for helping me budget YNAB!

YNAB has been a literal life saver. I’ve never been more in control of my money. I actually feel financially independent and can put every single dollar to use. Everything about this app has accelerated my life tenfold and will continue to help me for the rest of my life. If you need a budget this is the only app that should be available for budgeting.

Fundamentally changed how I manage finances, and i've never felt more comfortable about it

For the for time in my life, I'm not flying by the seat of my pants on my finances. I now have the funds ready for expenses that always used to sneak up on me. I no longer am scrambling for the funds to pay my bills and I am putting less on my credit cards, and can pay them off quicker. I still have work to do, but I'm getting there.

The cost of the subscription is worth what you get. If you're on the fence about whether or not to subscribe, do it. I've tried various budgeting software apps, paper methods, etc. This is the best by far that I've found. You can make an easy to follow budget and set up temporary goals if you're planning for a large expense. You can securely link your bank accounts that you want to track as well! This app has kept me on my budget and helped me to start putting money back into my savings account on a regular basis. The app and the website are both awesome and easy to use. If you struggle with keeping a budget, this app and website is for you!

I've been accounting my anf then family personal finances for at least 10 years. The journey took several phone apps, spreadsheets and even a self-written application at home.
YNAB is a logic continuation of this journey. Not only it covered everything I developed myself (= it's flexible enough), the team provides a ton of educational articles and videos to catch up and/or learn new ways to use it.
All in all, our family is indeed in the best financial shape than ever! I frankly didn't believe it was possible, but yet it is!

It’s a steep learning curve. You guys could and should offer training as a paid service. To get value from your tool people need to “get it” - if they don’t they leave. You could probably charge $200 and we would make it back in savings easily. But I still struggle with basics like credit cards and making the rec sum up

Honestly, YNAB is a total game-changer. I’ve tried plenty of apps and Excel sheets before, but this is the first one that actually clicked and gave me a clear view of where my money is going.

It’s not just about tracking expenses but about making a plan for every euro before you spend it. Since I started using it, the stress of managing my budget is just... gone. It’s super flexible, but it also keeps me focused on my long-term goals.

If you're serious about getting your finances in order, just get it. Best money I’ve spent in a long time!

Ittook me a while to figure it out, but now it is very useful.

Easy to transition to from a different platform that was no longer supported.

I like that the app connects to my other financial institutions and seamlessly brings my purchases into the platform. Once I figured it out, tracking those in the budget became very easy and helpful to keep a consistent budget.

However, I don't think the platform is very user-friendly. I wish that while I'm in the "Plan" page of the website, I could click a category and immediately see all of the purchases made for that category. Right now, I have to click "All Accounts," search for that category, and then add up expenses, which is tedious.

Additionally, the yearly goals set are challenging to reset after they are completed. For example, I have funds set aside for my daughter's birthday each year. After her birthday, the platform doesn't have me start saving for her birthday the following year but just says that the funds are spent. Even when I delete the target goal and create a new one, it says that. I don't think the goal setting for categories is particularly intuitive, and that is an example of how.

Also, I wish YNAB could connect with some major retailers so that it could automatically pull the exact items I bought into the memo for it's respective expense in the budget. For example, I consistently shop at Costco. If YNAB had a relationship with Costco where my receipts were inputted into the YNAB platform, I could see how much I spend on diapers at Costco over the course of a year. Tracking specifics like this would be really helpful because I (or ideally YNAB) could help me identify patterns in my shopping. It could tell me if I spend more or less than other people with similar households in my area. This would help me understand if I am generally overspending on things like groceries, car maintenance, insurance, or other regular expenses.

Lastly, I wish the platform would give me feedback on my budget. For example, if there is a monthly category that I consistently overspend on, I wish the platform would flag that pattern for me and provide a new suggested amount. Right now, I have to look through each category individually to see if there is a pattern of overspending and how much.

Overall, I like the platform because I can track everything on there that I need, but I don't think it is intuitive to use and doesn't take the extra step of helping me develop a better budget. Along with tracking my expenses, I want the platform to advise me on ways to save money or improve my budget to make it more consistent with my spending.

I love using YNAB to track my finances, it makes it so easy to keep on top of where we are spending our dollars and to set goals for making changes.

I use YNAB to have a full overview of all transactions in 4 bank accounts. I've tried other apps, but YNAB is the most stable one and support is very helpful to solve synchronization problems (which have been very rare).

Customer support is utterly useless. Why would I pay 15$ a month for a “budgeting” software that I have to MANUALLY INPUT EVERY TRANSACTION because you “don’t know how to fix” my bank connection issues. Stay FAR FAR away from this scammy practice of an app. Use your own spreadsheets and save the money.

Simple and easy to use. We experienced some issues with the direct bank account connections, but these have been resolved.

I really love the app 4.9. Buts its really hard to not use as a typical tracking app. Instead of the real way a planning app. Specially, when one partner does not use it.. but that not on the YNAB team. But great app.

I love the app. The system they have created is helpful and efficient. I stopped using it because my bank account data would be delayed in transfer.my account would always become disconnected from my bank. This caused many errors and made it harder to consistently manage my budget.