Best way for two people to use one budget?

Should both spouses just use one email login? I've used ynab4 for a long time and we shared one dropbox account. 

Didn't know if that's the best way to do both spouses using mobile/online.

Thanks for any thoughts!

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  • The only way to share the budget is to share the email login.

    Like 2
  • Hi Hot Pink Cartridge !

    Jenmas is right. In the new YNAB, you'll need to share your login credentials in order to share your budget with your significant other. This allows you both to log in to the account and make changes to any of the budgets you've created! :)

    If you have the time, take a look at our Join Forces Guide. We offer a number of tips and tricks on budgeting with a partner!

    Like
    • Faness That's really annoying. Sharing login credentials should not be part of any application. I know  (from the forum) that this is something that YNAB users are asking for. Personally, i just got very negatively surprised about that. If i knew it before, i'd double think of getting a paid subscription. :|

      Like 11
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 yrs ago
      • 8
      • Reported - view

      Alice Blue Welder We have a shared email account we use for shared accounts, and individual email accounts we use for things we need to keep individual.

      I have suggested multiple times in the last 3 years that they implement a robust UAC system with permissions for other accounts to be able to access only specific budgets, and whether those accounts have admin/write/read access.

      Like 8
      • Pezimaniac
      • YNAB Newbie
      • Pezimaniac
      • 2 yrs ago
      • 3
      • Reported - view

      Alice Blue Welder YNAB has a money back guarantee. If you decide you can't share login credentials you can get a refund.

      Like 3
      • Juno
      • Gold_Griffin.1
      • 2 yrs ago
      • 6
      • Reported - view

      Faness Glad I happened to see this before I started to get into it. If someone uses their Google account this could be pretty ugly since many phone applications that use a Google account share the OS level signed in account. My wife needs to be signed in with her own Google account on her device and although I don't care if she accesses my account it's still awkward and potentially hazardous if she doesn't realize she's logged in as me. This seems like a strange limitation. Why can't you authenticate 2 users against a single, shared budget account?

      Like 6
      • Jannelle
      • jannelle_ynabsupport
      • 2 yrs ago
      • 3
      • Reported - view

      Juno While that isn't an option in YNAB right now, it's certainly something that I can pass along as a feature request!

      Like 3
      • Cyan Zebra
      • Cyan_Zebra.2
      • 1 yr ago
      • Reported - view

      Jannelle My husband can log into my Google account from his computer with no issue, but this keeps him from being able to access it from his phone, as he has a work phone and cannot be logged into my Google account (which is how I initiated the account) on his phone.  So one more vote here for multiple user accounts to be available for one account to become an option. 

      Like
    • Faness Is this still the case? Does my wife have to use my email address to login? Is there any plans to fix this if it is not done so.

      Like
    • Hi Aquamarine Keyboard !

      You can share your YNAB credentials or you can connect your YNAB account to your Google logins in My Account. If you use Google logins, you don't have to share your credentials but you'll both be able to access the account! :)

      Like 1
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      Faness I don't understand. I have an email login, that's not Gmail, and my wife logs in with her Gmail.

      Like
    • Khaki Storm Yes, your email address doesn't have to be a Google email address. You can use the "Connect to Google" option to add alternate Google Accounts that you'd like to access your YNAB account.

      Like
  • +1 to the request for proper UAC. Even though I can't think of a really critical reason that he shouldn't, I think it's just awkward enough for my husband to use my login that I probably won't bring him into the process. Which seems like a bit of a shame since YNAB is kinda a lifestyle. I love that you have a long guide to budgeting with a partner -- so thoughtful! Feels out of step that the software doesn't support that for all practical purposes.

    Like 6
  • Yikes. +1. New to YNAB and didn't realize this limitation. It's not a complete dealbreaker for me but having the ability to share budgets with my wife without having to share a login just seems like basic/obvious stuff for a service like this. Hope this gets prioritized and built!

    Like 10
  • Just coming to add another plea for a way for two people to share one budget with two logins! I'm truly shocked it isn't an option yet.

    Like 6
  • While we're on the topic of shared access, I think you should have the choice on a budget by budget basis on what to share with whom. For example, I want to share my personal budget with my husband's login AND I want to share my business budget with my assistant. I don't want my assistant having my login and I certainly don't want her seeing my personal budget. It's a missing piece to a robust cloud based software - I'm looking forward for this feature getting worked out and added soon!!

    Like 6
  • Hello everyone!

    I just wanted to leave a quick link to our Feature Request form! This is the best way to get your ideas and opinions over to our development team! :)

    Like 2
  • sorry, just a test

    Like
  • I don't mind sharing a log-in, but is there a way to add 2 accounts? For example, my fiance and I have separate PayPal accounts... can we add both? 

    Like
      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • Reported - view

      Aquamarine Piano You can indeed! Just click "Add New Connection" when linking the second PayPal account, and enter in the other set of PayPal credentials. :) 

      Like
  • What in the world could YNAB be thinking with this? Everyone uses the same login? Did they just model this after stealing your roommate's Netflix account? Seriously, fix this. There are so many security concerns with this approach.

    Like 5
    • Khaki Storm
    • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
    • Khaki_Storm.1
    • 1 yr ago
    • Reported - view

    I'm confused, my wife and share the budget but have different log ins. It didn't seem hard to set up. I log in with my email and password and she logs in with her email and password.

    Like
    • Ben K. how? Did you send her a link? Is there an invite feature? I've searched for an hour and can't find an answer.

      Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      Maroon Gazelle under my email, then my account, login in methods, I see that my wife has the primary google sign in and we also setup a non gmail email sign in, that's what I use. The secondary Google sign in is not active. 

      Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      Maroon Gazelle if I recall, I was logged in and I asked her to click on and complete the Google sign in 

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • 1
      • Reported - view

      Ben K. This is possible with google log in but not the app native log in.  That’s the difference. 

      Like 1
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      WordTenor ah, yes I don't use the app, she does

      Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      WordTenor I just tried the app. I can still log in with my non Google email and my wife on her device logs in with her Google. What's the issue?

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • Reported - view

      Ben K. as long as one person is using google, you’re fine. Two people can’t have separate YNAB native logins. 

      Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      WordTenor ok, o can understand that. 

      Like
  • I'd like to share my account with my wife, but we separate logins.  I've already setup my account with a standalone login.  Can I change my login to Google and then somehow share with her?  If so, how do I do this?

    Like
    • Hi Slate Gray Hail !

      You sure can! You can set up a connection to two different Google accounts in My Account. You'll see the option to connect to Google there. 😄

      Like 1
    • Nicole at YNAB it works!  Thank you.

      Like
  • Same issue as everyone else....fortunately we have two Google accounts and if you go to your DESKTOP browser you can establish the second login. Works perfectly...apologize for the simplistic suggestion and maybe I missed it...but could the other party "simply" create a new Gmail account if they're using something else and then by going to the desktop version log in? Clunky workaround but maybe it would be better than nothing for the time being. Sorry for being simplistic and thanks for the great thread....I wouldn't have figured that out on my own. 

    Like
  • I was able to use two logins: my wife and I each use Google. So I logged in as primary, Went to my Account, then added her email as the Secondary account, which is also a Google account.

    Boom done.

    Like 4
  • One more vote for robust UAC. I recommend using a unique logon for each service (this can be accomplished by using a free service such as Blur, which creates a unique forwarding email account for each service) to minimize attack surface and limit the impact if a particular service is compromised.

    Like
    • Hi Habilis !

      I hope you don't mind me asking questions here! I'm unfamiliar with Blur, or similar services. This would allow multiple logins without using the Google Accounts feature?

      Like
  • What is the status on implementation of multiple users with the same budget? Thank you!

    Like
    • Hi Forest Green Nomad !

      No official updates to announce, but we are working on improving this option. Currently, you can either share your credentials or connect your Google logins in My Account so that you can both access the same budget.

      In the future, we hope to offer better functionality for sharing your YNAB account.

      Like
  • I am on the trial right now and this is the first negative i have come across when contemplating signing up for paid subscription.  Not a total dealbreaker but certainly a consideration when considering it against other solutions.  Hopefully they overcome this limitation soon!

    Like
    • Hi Orange Drum !

      Welcome to YNAB and to the forum! :)

      We're taking a closer look at how to better support multiple users in the new year, but I can't offer a time frame for those improvements. It's on our radar, though!

      Like
  • Dropping  a line that I'd also like to see this feature prioritized.

    Like
    • Hi andybaran !

      We're taking a look at how best to improve this option. If there are any details you'd like our Product Team to know, please submit a Feature Request to share your ideas! :)

      Like
  • Just wanted to also put in a word that I'd love to see this improved. It would make ynab much more welcoming to couples. I did submit a feature request for it also.

    Like 2
  • It baffles me that this is not an actual feature, given how much YBAB is pushing content to acquire users who want to set up joint accounts now. Almost misleading in a way... not to mention BAD security practice, regardless of whether its your partner or not.

    Besides, this seems like a no brainer to drive more usage of the product and potentially reduce churn. For example, Im not going to share my login so it's just going to be me using YNAB. If two of us had logins and access to the product we would: update budget more frequently, stay on top of transactions, etc...

    Is this now on the roadmap at least? And if not, why?

    Like
    • Hi Slate Blue Robot !

      We're currently working on improvements for budgeting with a partner. At the moment, you can enable Google or Apple login methods in your Account Settings if you don't want to share a password. You can let our Product Team know exactly how you'd like to see sharing features function by submitting a Feature Request. :)

      Like 1
    • Slate Blue Robot Hi there,
      You are right on target with your comment. I've used YNAB since YNAB 3 and I'm currently exploring another alternative for three reasons:
      1. The issue you raised - partner login. The current workaround is absurd. It's just bad any way you look at it. It has been raised may times before as an issue.
      2. They don't let you reconcile to a particular date. Also raised many times before, but they don't want to solve it.
      3. They don't readily accept and adopt user feedback on this forum, which is the forum for their most active users. They are no-longer customer focussed. It was different, a long time ago, back when I first bought in.

      Like
      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • Reported - view
      Slate Blue Crab said:
      They don't let you reconcile to a particular date. 

      I've reconciled to an arbitrary date without issue. As I recall, it takes a mere three clicks more than required when using "today" as the date. Actually zero extra clicks if you don't import transactions.

      Like
  • Trying to configure the use of two Google logins... one for myself and one for my wife.

    I initially signed up and created my budget using a native login (e-mail/pw combo). Following the instructions in this topic, I enabled and connected my Google account in Account Settings and can login with either my native or Google account but I'd like to add my wife's Google account so she can login as well. I do not see an option to add a second Google account? Am I missing something? Or do I have to login using my initial account and add her as the Google connected account? My preference is to use Google for both of our logins.

    Thanks!

    Like
    • Tony Chan We recently implemented a change which only allows one Google SSO per account. For accounts that were already connected to two Google accounts, when disabling the secondary account, we let you know that you won't be able to connect a second Google account.

      You can add an Apple account though! If you don't have an Apple account to connect, what you'll want to do is set a password with YNAB in Account Settings and going forward, you can use the email and password you just set to log in and you can connect your partner's Google account.

      Please let me know if you still have questions.

      Like
      • Tony Chan
      • Business Analyst
      • sbdivemaster
      • 3 mths ago
      • Reported - view

      Matthew Ahhh, that explains it. I'll figure out another method. Thanks for the response.

      Like
  • UM... why don't you just buy another subscription, people? This is a very silly complaint. It's amazing you can share the account and have two budgets in the first place. If you are too broke to buy another subscription, you probably need a budget (had to) and maybe just make due with the shared log-in. Sheesh

    Like
    • Love Bears You're missing the point entirely. The issue is with sharing the same budget, because of joint bank accounts. Meaning two different people, use two different cards, that debit money from the same bank account. This means two people need to be logging transactions to keep the budget/account up to date.

      And yes, this could be achieved by sharing the account access as a workaround, but from a security standpoint this is bad practice for a company to even recommend. I'd also happily pay a higher subscription if I was able to share a single budget with a second user, so its not an issue with being "too broke" - but we appreciate your concern ;-)
       

      Like 1
    • Slate Blue Robot Are you saying that you and your partner share a bank account, with separate logins, and when you look at your bank transaction history, you can't see your partner's transactions? They just cause your account balance to randomly change? That's... an interesting way to do finances. Why not just have separate accounts if you don't want each other to know about your money? Not trying to knock it, but I don't understand.

      Like
    • Move Light Sound Life No. We share a bank account, which we both have full access to. There's no YNAB connection for this (manual). We use the mobile app + web app to input transactions as they happen. e.g. my wife purchases something using our joint account. The ability for her to log the transaction on a shared budget, so that we can both independently log/manage transactions.

      Like
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • 2
      • Reported - view
      Slate Blue Robot said:
      We share a bank account, which we both have full access to.

      And you feel separate login credentials are needed... to look at the same budget? 

      Like 2
    • dakinemaui Sharing logins is bad security practice. Period. YNAB can't even disagree with that.

      Like
    • Slate Blue Robot Thanks for explaining about the bank. I suppose this issue is so outside my worldview that I won't continue beyond this reply, but from my perspective, if someone trusts their spouse enough to share finances with them, why not have a budget that's shared with the household? If the access is the same, I see no reason for separate passwords. It's not like activity is logged, so you couldn't even figure out who entered the transaction wrong or moved money without talking about it. 

      Wanting separate YNAB logins is like wanting separate codes for your garage door, IMO. *In a sense - like all analogies, it does break down. In the roommate situation, a shared code for living space should not translate to shared finances, but that's one of the differences of being married. Maybe a better example is of having separate logins for your electric company's website.

      Now, I can see the use case for logins with differing access to certain budgets or certain category groups, like for children. Or the messy divorced relationships. Or maybe even a situation where one spouse gets really confused and messes things up constantly (though I would just put the app on their phone, pin only the categories relevant to them, and instruct them to never touch the lighting bolt).

      Like 1
      • Bruce
      • Software Engineer
      • Bruce
      • 2 mths ago
      • 2
      • Reported - view

      Move Light Sound Life 

      Move Light Sound Life said:
      Wanting separate YNAB logins is like wanting separate codes for your garage door, IMO. 

       lol.  Sorry couldn't resist.  perfect analogy...

      Move Light Sound Life said:
      Now, I can see the use case for logins with differing access to certain budgets or certain category groups, like for children.

       That's what I want!  each of my kids has a budget, and at the current time, I only allow them to access their budget when I'm there, and I log in for them, and watch/guide their actions.  Which, at this point is fine, because I'm still teaching them, and training them how to use the system and the software, but eventually, I'd like them to be able to have their own login to access only their individual budget.  At that point, I'd feel better about giving them free reign on their budget.

      Like 2
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • Reported - view

      Slate Blue Robot You realize the entire point of unique credentials is to LIMIT access, right? I could even see the utility if there were a traceability log, but until such a feature exists, separate logins *for a shared budget* is nonsense.

      Like
    • dakinemaui It seems like nobody understands the concept that individual accounts is a security benefit... or rather, sharing logins increases risk. Then again, I get the feel most people replying here all use the same password for every service anyway.

      Either way, my request is quite simple, and others have asked for it too. It should be standard practice for ANY technology company to provide such functionality. 

      Like
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • Reported - view
      Slate Blue Robot said:
      sharing logins increases risk

      In a shared budget scenario, what risk is that, exactly?

      Like
  • Slate Blue Robot said:
    most people replying here all use the same password for every service anyway.

     That's a tad insulting. The only shared passwords I have are for shared accounts... With only the pertinent parties, and only the pertinent services. Sharing accounts, services, and credentials should fundamentally match the real-life structure of trust, relationships, responsibility, and accountability. 

    Like 1
  • Slate Blue Robot said:
    Either way, my request is quite simple,

    The implementation, however, is not. Development resources must be divided among various feature requests, and expending effort for zero benefit in the majority of cases (i.e., shared finances) is a waste.

    I am open to being convinced if you can put forth a substantial benefit (or undesirable consequences/risk) for this popular use-case, but I haven't seen it in the 2 years this thread has been around.

    (Without question, less common cases such as read-only access by an educator or advisor would be useful. Again, though, there are a lot of useful ideas to be prioritized by developers.)

    Like
      • Nick
      • nickr
      • 1 mth ago
      • 2
      • Reported - view

      dakinemaui Here's a valid use case: Two users, each with personal budgets, but they also share a joint budget. For example, my wife and I have our own discretionary spending, and we also have joint accounts and budgets. I'd like to manage my personal budget solo, but want to share access to a joint budget with my wife. This way she can categorize spending on our joint credit card when I'm not familiar with the purchase. This could of course be accomplished with a shared login, but I also think it's reasonable to want some privacy for my personal budget. She already has a general idea of how much I spend on my track car, but if she saw the actual numbers, she might 💩herself 🤣

      The same scenario could be made for budgeting for a small business. The case for a private personal budget is even stronger in that scenario.

      I've been a software engineer for over a decade so I have a rough sense for how long this sort of thing would take. Depending on how they've architected their roles and permissions, it could be just a day or two worth of work for one person. I imagine they have a bunch of `Budget` records which may belong to or reference a `User` or `Account`. It's simple enough to turn that foreign key reference into a join table (or whatever equivalent if they're not using a relational db) and voila - you've got multi-account budgets. That's obviously a simplification of it, but you get the point.

      Like 2
    • Nick This is exactly my use-case as well. I want to share our joint budget but keep my stuff private.

      Like
  • it was very disappointing to know that there is no way to share budget with another user or at least add another set of credentials or my wife. It might be a deal breaker for me.

    Like
      • dakinemaui
      • dakinemaui
      • 1 mth ago
      • 1
      • Reported - view

      Silver Song If you trust the other user, it's not a deal breaker. If you don't trust them, why are they piggybacking on your YNAB account? (Their own subscription solves that problem.)

      Like 1
    • To be clear, I'm not arguing against a real user access control capability. I simply think it would be a shame for you to lose out on YNAB's transformational capabilities because of the current lack of UAC.

      Like
    • Silver Song You can enable Google or Apple login methods in your Account Settings, if that's helpful.

      Multi-user support is something our team is looking at for the future, though we don't have a timeline to share. I hope you'll give the trial a try and evaluate where the app stands now. It's definitely improved how my husband and I navigate our finances!

      Like
    • Nicole But why did you disable having two google logins? I don't want my Google OAuth to be on my wife's phone, she has her own google account. This was a feature just months ago. Why did you guys stop it? I don't use Apple OAuth for anything, and I don't plan to start now.

      Like
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