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.

Peace of mind after you put in the work Really great method to get peace of mind about your financial situation. YNAB is best if you're willing to buy-in to their system: setting goals, categorizing every transaction. This app is especially great for people who have inconsistent income as it lets you plan ahead and know you have money to cover your expenses.

Simple Program Changed My Life Totally changed the way I relate to my money and my budget. Made me aware of my weak points to focus on, and helped enable better future planning. As someone with an average pay in a VHCOL area, this software has truly changed my life!

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.

YNAB Changed EVERYTHING! I’ve always cared about my finances. Where was my money going? How was it being spent? Is my income more or less than my expenditures? ETC! YNAB helped me to not only see clearly how my finances were being used, but it helped me to create a clear and realistic opportunity to budget, spend, and plan. THANKS YNAB!