Best budget program Absolutely changed the way we budget each month. It only takes about 20 minutes each week once you get the hang of it. It is a little more complicated and harder to learn than things like Mint but it works better and actually produces results.

The method just works! The 4 principles work great. Overall structure behind the app, just works wonderfully. Your relationship with money improves over period of time as you start seeing debt in a different light and see your net worth increase. Lastly, the great tutorial videos and blogs help clear any lingering doubts.

I loved YNAB before it went online I loved YNAB before it went online. I tried it online. It is so different I cannot tell what is going on. I cannot reconcile accounts. I have no control. Asking for help did not help. I am now using another software.

It's not the subject matter…it's how it's taught I enjoy the playful way you teach about basic budgeting. I think it's something that many people, myself included, miss growing up. People say you are just testing basic zero dollar budgeting, but it's not what you teach it's how. For the first time in a while I feel like I can rest any goal if I plan accordingly using your methods. You often say freedom comes from restriction and it can be surprising where and how extra money comes from in a budget. I can attest to that.

A decent replacement for Mvelopes A decent replacement for Mvelopes, which is why I chose it. (I like to have “extra” money left over in each budget category each month, so I have some in case the following month is unpredictable, and this was the only program where that seemed possible.) There are a few kinks/features I wish were possible. For example, I wish it were easier to focus on specific budget categories, and see reports on spending. (Ie, click a budget category, and see a register of expenditures and funding.) Also wish it were easier to have pre-set “funding plans” for a two paycheck month. Right now I have to fund each budget category manually for my first paycheck of the month, instead of having a template for half my budget. (It’s either all of nothing, if you want to fund several categories with one click, which makes it hard to do one paycheck at a time, vs an entire months budget.) There are definitely some features I wish were possible, but overall it functions decently for how I like to budget.