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!
I'm concerned that a basic feature as two users accessing a shared budget is not implemented after at least 2 years of people talking about it. I'm coming from YNAB4 and I love the idea of zero-sum budgeting but it seems to me that the R&D department is not at the level I'd be comfortable with. Advising people to share login info is a bad security practice, not only in my opinion. On top of that how the login sharing would work if the account is protected with 2FA? Am I supposed to read numbers to my wife over the phone? I can't help but think that security is not taken seriously.
I'll add my name to the list of those who need this feature. Recommending people share logins as a substitute for multi-user support is very bad security practice that no technology company should ever recommend, and as another user pointed out, this makes using 2FA infeasible. The only acceptable official responses are "we don't recommend sharing login credentials" or "we're working intensely on this feature and our target release date is X". Those of you who are chastising those requesting this feature as having trust issues are completely off base and don't understand what's being discussed here. The fact that you can't imagine a situation where a couple/group/team/family needs this functionality is a testament to either your limited imagination or your overactive opinion. For a technology company, with a technology product, admin/user role and permission level distinctions is so basic a concept that it's legitimately incredible that the platform has progressed in development this far without it. If multi-user support costs a premium, fine, I'll pay it - that's not the issue here. But multiple users sharing the same login information doesn't provide admin/user control, and multiple accounts doesn't allow for shared access to shared information.
Magenta Grizzly Turquoise Projector
Thank you for sharing your interest and feedback! This feature is definitely a high priority for us. Our Up Next page is the best spot to keep an eye on for the most up to date details on a timeline, and that page is updated frequently.
If YNAB wants to keep some customers, they really need to look at competitors (one of which starts with the word 'good') and see that YNAB is behind in best security practices. Please bring multi-account/tenancy to YNAB. YNAB is great if you are single, but my outlook on YNAB is drastically changing as a married man who works in the IT industry with security as a topic of constant focus. Sharing accounts is bad!!
YNAB seems like the perfect budgeting app, but only having support for a single user account feels like a big miss to me. It would be great to see YNAB implement support for 2 users so partners can use their own accounts to sign in via Google that's protected by YubiKey/2FA/MFA.
Based on how it works today, now I have to lean on my password manager and its abilities to be able to properly secure my YNAB account while having the credentials shared with my partner.
I was surprised at all the responses suggesting shared passwords. I have nothing to hide from my wife, but we just don't share accounts in principle. Even our shopping list has unique logins. I will add my voice to the chorus that is requesting multiple SSO logins to the same account.
If I were to share my google SSO auth with my wife, she would have my google account messing up her phone / PC profiles, or vice versa. When she logs in, my google 2FA would mean she has to call me to ask me to click "Yes, it was me" as I wouldn't do it normally.
We typically avoid non-SSO passwords, as they just become something else to manage. Glad that YNAB supports google SSO, btw.
So, I am also looking forward to multiple accounts being associated to the one budget account like I already can do with my shopping list :-)
I really wanted to come back around to YNAB after looking at it three years ago, but I can't for one reason and one reason alone. Information security, specifically the login fiasco.
I work as a DevOps engineer, now, and have held various IT roles, some of which required me to be a key part of internal and external compliance and security audits.
Connecting two Google accounts via OAUTH2 is easy peasy. Sure, you'll have to add a flag to your user schema to denote an <account_owner>, but that should have been an MVP kind of feature.
Frankly, I'm not willing to risk violating ToS for Google or Apple accounts, and for financial software, I can't accept workarounds. On principle and for all the reasons I preach best IAM practices ( like "one login === one person" ) to my clients, I'm not sharing a login with anyone, even those I trust.
I SOOOOOOOOO wanted to use your platform because it really works with how my spouse thinks about money and budgeting.
Please, please, please get Identity and Access Management right. I want so very badly to use your product.
An Almost Customer, Twice
Powder Blue Android
DItto. Developer / Tech Lead here - we do a lot of work for SMEs, and it's surprising that YNAB are recommending users to share credentials for budget sharing.
It feels like YNAB sees this issue as one of those features that's "too big" and so it ends up stuck at the bottom of the backlog.
YNAB - Please fix this - as someone who's worked with integrating green fields new tech and really old (in some cases 20+ year old) systems, I can't think of any sound reason why a company would choose to take this approach, whatever their tech stack, and saying things like "It's too big" or "We can't work out how to get the user subscription billing right" just doesn't cut it in to day's security-conscious world.
And yes, I'll put this in as a feature request.
Final thought: I'm willing to bet that if YNAB is moving into the UK Fintech market to support integrating with UK Banks then they'll need FCA authorisation. Sharing passwords is listed under "Examples of poor practice" on the FCA website:
P.S. Don't get me wrong, I really love YNAB, it's fantastic!
Definitely a critical feature. Login sharing is just not an option. Must have multi-user access.
Looks like this has been requested for over 3 years now. Any update on an actual timeline for this feature?
The website has this listed as a feature and one of the reasons I signed up. In reality, it might be a feature at some point.