YNAB Price Change 2021

Hey all,

You’ll see an in-app message today with more information on the upcoming pricing change that will impact your next renewal. We know—especially for a YNABer—that every dollar counts, and we don’t take price changes lightly.

Questions or feedback about the change can be shared below. Please check out our FAQs for more details, or questions that may have already been addressed.

If you have questions about your account, you can reach out to our Support team from the app on web or mobile.

We hope and trust you’ll continue seeing the value of a YNAB subscription.


  • New topics or comments in other areas of the Support Forum will be directed to this thread.
  • We understand the impact that price changes can have. Please keep our Community Guidelines in mind.
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  • As European user, 100$ are actually not balanced by the full set of functionalities. I really hope that full direct import will be available here very soon.

    Like
  • I wish YNAB had never gone down the subscription path. This announcement of a huge price increase has rocked my world. Back in 2008, when I bought my first YNAB spreadsheet, I paid my money once and it was mine to keep. Same again when I bought the second version, and then the third version, and then the fourth version. I bought all the versions. I still have them all, with their licence keys, and they are still mine to keep. There's something very honest about buying a product over-the-counter like that. And then, like a lot of people, I was persuaded to buy in to the subscription model. I was convinced by the hype that YNAB would just get better and better, but I don't think it has. It's gotten a lot busier. Busier does not mean better, or smarter, or simpler. Busier is its own beast. Now I have learned that Jesse is no longer running the company. (That saddens me a lot.) Also, YNAB suddenly costs more money than it's worth to me. The value, for me, is no longer there. I can't justify that expense. Subscription is not my friend. I won't renew. I will go back to the version I loved best, and that's YNAB4, which I paid for once over-the-counter and it still does everything I need. I was too trusting when I said yes to subscription. Loyalty brought me over to the subscription era. That, and the enticement that the price would stay the same as a kind of thank you for taking the big leap. But the price has not stayed the same, has it? Today I learned of the price hike. Jesse, where are you? Anyway, thank you YNAB for many years of wonderful budgeting help. And thank you that YNAB4 is still working. (And, oh boy, I am so glad I put the licence key in a safe place.) Please, if you ever decide to go back to one payment for life (the way it was) and no more subscription-based product, I will happily sing your praises, like I have done for years and years. Right now, clearly, I am upset. I can't and I won't recommend YNAB to my family and friends anymore, because that's how upset I am. It's just a sad day for all of us. 

    Like 14
      • ynaber2613
      • ynaber2613
      • 2 mths ago
      • 1
      • Reported - view

      scooterboy You are so spot on with this post.

      Like 1
    • scooterboy agree 100%...   a very sad day...

      Like 1
      • pgauntlett
      • pgauntlett
      • 2 mths ago
      • 2
      • Reported - view

      scooterboy my understanding is that Jesse is still there and is the majority shareholder but others are getting their hands dirty on his behalf. Which implies to me that this is all with his full agreement.

      Bank feeds seem to me to be incompatible with a one time software purchase. Nonetheless a tiered option could still easily be offered - with or without the feeds. Moneywiz 2021 (as an example ) is I believe about $14 pa without bank feeds.

      Like 2
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 2 mths ago
      • 1
      • Reported - view

      pgauntlett Way back when, Quicken had bank/investment integration and a fixed price. The support for that went away after some time (4-5 years?) but the software still worked. I think that’s a reasonable approach. You’re paying for finite bank connectivity and infinite software use with the purchase. If you want connectivity, you can then upgrade. 

      Like 1
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 1
      • Reported - view

      pgauntlett FWIW, I used banktivity for like 8 or 9 years without paying any subscription because the free OFX worked great for every account I had, including investments, save for a few store branded credit cards.  Plus the in-app integrated browser to just download from the site without leaving the app.  I only signed up for the direct access when I had to keep more accurate records for my mom's trust as a fiduciary.  

      Like 1
      • RIP_MSMoney
      • Software Developer at Microsoft
      • rip_ms_money
      • 1 mth ago
      • 1
      • Reported - view

      Not looking for starting a fight ;) but one aspect of software today vs past is the cloud aspect.

      Previously you could buy software and own it but it ran on your computer. With the cloud there are extra expenses for a company with scaling, storage, etc for supporting the cloud. That yearly cost can hit diminishing returns if userbase scales and only consumers only pay once.

      Now, with that said, I don't know their finances so I can't speak to how things are being managed, how much overhead they have, etc.

      I mean, they could add 1 time purchase but add ads to supplement costs?

      Like 1
    • RIP_MSMoney And many of the legacy users would have happily continued to use the desktop based program. The cloud based access is nice but definitely not a deal breaker. Frankly, the direct import probably costs more than the cloud access. YNAB's refusal to offer tiered pricing (or international pricing, if you will) for those users who CAN'T (or don't) use direct import, is enough reason not to pay double for my subscription.

      Like 5
      • RIP_MSMoney
      • Software Developer at Microsoft
      • rip_ms_money
      • 1 mth ago
      • 1
      • Reported - view

      Sky Blue Tape (mmille) Yeah a "feature-based" approach could also work. For us we need the auto import as we have multiple people inputting for our transactions. Auto import really helps with ensuring nothing gets missed. Also the cloud/mobile helps us a lot with that aspect. 

      Like 1
    • RIP_MSMoney Id rather have seen a tiered price point - choose direct import for x dollars if you want it maybe iPad / phone access an extra $5 purchase or something like that- maybe one copy free? if costs are driving this up? 

      Like
    • RIP_MSMoney The problem really is the people who CAN'T use direct import; it's not available where I live.  If it was my choice (ie, available but I prefer manual entry) you could make an argument that I should pay for it anyway because it's my choice, but this is a huge part of YNAB's cost of providing service and well, they're not providing me with that service.  Same with the "white glove" support and classes.  While I definitely made use of them (and appreciated them) when I was starting, I've been at it for 6+ years now and am part of the user-based support team, if you will (as opposed to the paid YNAB staff support).  That is, forum users who answer questions, FB interfacing (which is not run by YNAB but only by users).  I'm saving them money on those services because I'm helping out the new users - for free, because the software and approach is spot on.

      Like 3
    • Sky Blue Tape (mmille) Naw, I don't want to pay for direct import. I'd rather have a more affordable product that fits my needs (that I determine) instead of a bloated, expensive product with massive features I'm not using. If I change my mind on direct import, then I would have decided it's worth paying for. 

      Like
    • Move Light Sound Life I didn't say you SHOULD pay for it, I said and argument *COULD* be made that you are choosing not to use a supported function but because it's your choice it's reasonable to expect payment for it (ie, I don't use goals either, but that's my choice - goals just don't cost YNAB so much to run now that they're a built-in function of YNAB, so it's not like removing it would be a cost-saving option) as opposed to a feature that isn't even supported so there's no choice - you CAN'T use it.

      Like
    • Sky Blue Tape (mmille) I agree with you! Sorry, you couldn't see me nodding before.  😉  I'd just go one step further. 

      Unfortunately, I suspect that the cost of direct import is so high that YNAB needs users to pay the higher price and still not use it in order to make it a feasible option.  I don't see why I should subsidize other people's convenience.

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

      Blue Koala (9a03380df751) I've found that in some of the other apps I've been looking at. Seems like a good idea. I'm still looking for a equal app that isn't as much or more expensive. Coming up with none so far. 

      Like
    • WordTenor
    • Can we agree that goals are dumb and immature? Sure.
    • WordTenor
    • 2 mths ago
    • 22
    • Reported - view
    Nicole said:
    We hope and trust you’ll continue seeing the value of a YNAB subscription.

     Narrator: They did not continue seeing the value of a YNAB subscription.

    Like 22
    • WordTenor I literally laughed out loud. 😄

      Like
    • Lisa Collington are you hearing Morgan Freeman?

      Like
    • beige_case_1939d61da8b9  YES!!! 🤣

      Like
    • Lisa Collington Are you seeing Shopfitters fitting a new name over the business?

      Like
  • Habanero Salsa said:
    My YNAB category is already renamed Budgeting.

     I finally renamed my Tithing category.  I kept it in since it was the default from the beginning for posterity, but now it's called Church, much more accurately.  We know who really needs that 10% so they can keep it.

    Like
  • Q: I'm a Legacy User with a 10% discount. If you are doubling the annual subscription cost could you also double my discount to 20%?

    Like 4
      • ynaber2613
      • ynaber2613
      • 2 mths ago
      • 2
      • Reported - view

      Sky Blue Captain LOL, how about a 50% discount

      Like 2
      • SgtBatten
      • "YNAB broke" since 2013
      • SgtBatten
      • 2 mths ago
      • 1
      • Reported - view

      ynaber2613 I'll take it.

      Like 1
  • Ive already cancelled my YNAB subscription (runs out in April so Ive got time) Im running buckets and actual right now alongside YNAB just to keep it all straight and so far Both actual and buckets work well to keep things straight and after entering everything - fresh start on the new ones just entered current balances and category balances (set all categories the same, in the same order on all three apps) - balances of the date I started two weeks ago.

    If you have any interest here's a few quick thoughts, trying to keep it short.....  

    Ynab - good app easiest to use BUT way overpriced now --- the other two do the job very well I dont use the import because it does not work, likely due to my banks security features but doesnt really matter it just isn't reliable so I enter everything manually anyway. Like I said, already cancelled.

    Actual is my favorite so far mostly due to simplicity CC took a minute to figure out but  simple once you get it - look at forums there are tutorials that make it very easy to get going GitHub has one of the better ones. easy to enter, easy to budget numbers are identical to YNAB once you get it all set up. entry is simple intuitive and looks very familiar. It also has a good basic mobile app that syncs quickly with no third party logins just a one time "enter this code" from an email they send you, all I need to do on mobile app is enter transactions and see budget balances, just basics.  I like actual because it is simple, you can rearrange categories and account order as you please, the price is fair and the app is updated frequently the dev. will  reply to you if you email, this is a very active community for questions (many YNAB refugees)  he also has a forum he monitors to report bugs, concerns,  feature discussion etc - this is my favorite and I will subscribe in two weeks when my trial ends. He has also released a ynab import tool if you want to do that and others have said it will open YNAb export files but I havent tried that I just exported the files for my records but starting with a new app seems like a great time to do a complete fresh start. The one thing it does not have that I wish it had is goals - to keep track of my upcoming large expenses (coming per dev.) no timeline on that yet but I can do it on paper for awhile 

    this is my favorite so far and the one I plan to use. 

    buckets is free trial- unlimited fully functional, works well but: you cant arrange account order, you can move categories etc but not account order, there is no mobile app  to enter transactions on the fly (coming soon per dev.) - thats the biggest issue for me and for some reason there is no payee field only a memo field so thats a problem as well when trying to match up transactions and dates etc and using it is a little less intuitive as far as fixing mistakes etc you can do it but its just a little harder - it is a good app other than that and a one time purchase (dev. promises a very cheap upgrade to next version but no specifics or timeline for that) he has released a couple of updates so far and it seems to be a growing app.  Buckets does work well, its  just a little rougher and generally less polished?? if thats the right word. I do like it but I like actual a little better.  I will probably buy it and keep it updated to see how it grows, I like its methods and at $49, its reasonable.  and It has a basic goals feature which is easy to use and does the job well. I just wish it had a basic mobile app, I could rearrange my account order, a payee field would be great as well.  

    I will probably keep updating all three until the end of the year before making a final decision on which one to use (between buckets and actual) to replace ynab going forward.  both of those are great alternatives. YNAB just seems intent on adding fluff to justify the ever increasing price- it has literally doubled in the last 5 years- crazy. 

    Like 4
      • Keetman
      • Spring_Green_Router.3
      • 2 mths ago
      • 7
      • Reported - view

      Blue Koala (9a03380df751) 

       

      I have been using Actual for about 2 weeks now.  I love it.  It really does remind me of YNAB4 and I'd forgotten how much I liked that original software.  I was not happy with the price increase, communications, or disregard for legacy users.  I maintained however, that while I could afford $100 a year, I just didn't see value in it for me at that price.  After I started getting into Actual, I understood why. 

      I am a veteran budgeter.  I have been doing this since 2008.  I'm debt free and my main use of the software is to log transactions, zero out my budget, and continue giving each dollar a job so I don't let my finances get out of hand.  YNAB may have rolled out a ton of features, but they're none that are important to me.  They also took away a lot of the features that I forgot I liked (simple view format, 3 month view, red arrow).

      My biggest lost is the direct importing.  However, I've learned that it doesn't really take long to update my accounts each morning or afternoon and I'm really more in tune with my budget now that I'm manually  entering the transactions.  

      I just don't need the YouTube videos, customer support, emojis, loan features, AOM, hand-holding or any number of things that have been rolled out since they went to a subscription service.  I can see how these things would be valuable to some and I hope those people are fully supported by YNAB going forward.  It's just not valuable to me anymore at this price point (and I do feel a little let down as a long time user).

      I'm not even mad anymore.  If they hadn't done this, I'd have never went looking.  Now I'm happier with my budgeting software than I've been in years.

      Once I am fully transitioned and have my YNAB data in place on Actual, I'm going to delete my account.  At that point I wish everyone good luck with whatever direction they choose.  I really hope YNAB reconsiders their outlook on Legacy Users.  Like few companies, I feel like they are partially where they are because of their community.  That may continue, but it's certainly taken a blow.

      Like 7
      • pgauntlett
      • pgauntlett
      • 2 mths ago
      • 1
      • Reported - view

      Blue Koala (9a03380df751) totally agree with your assessment and choice of apps to compare. I purchased Buckets out of curiosity in (I think 2018) and unfortunately it has not advanced in any material way since - I particularly find it hard to live without (a) scheduled transactions and (b) mobile transaction entry. I admire the dev and his ethos but ultimately that is not enough.

      I have been running with Actual on and off for about 2 years (being keen to see if it blossomed) and I love it.

      Like 1
    • pgauntlett I hope someone found it useful -- I just had a lot of trouble finding my new budget software and thought Id give my quick take on what I liked and disliked about my two top choices- I really wish buckets would upgrade / update, it just needs a few tweaks to be great ---- it really does have potential and I want the buy once and be done with it pricing but as long as actual doesnt YNAB us subscribers down the road it is my favorite, I will likely buy both and see what happens later on but I am done with YNAB (after loving it for about ten years) because I no longer trust ynab and I do not want to support any company that treats its customers this way -not going to reward or support dishonest companies. 

      Like 6
    • Keetman agreed ------ I can also afford the $100 / yr price but how long does anyone think it will stay that???? they have doubled the price in 5 years so probably not long........ its not the money its the way it was rolled out and the general "F you all" attitude of YNAB after they clearly stated one price  to users directly more than once and now they are citing a single post on a third party website several years ago (who saw that???? ) as a source of the "10%  off current price" plan while the direct communications from the company to users said something completely different  is just ridiculous. -- its not just the price increase... this is no longer a company I trust it really has lost its original vision and purpose. 

      Like 4
  • Keetman said:
    I'm not even mad anymore.  If they hadn't done this, I'd have never went looking.  Now I'm happier with my budgeting software than I've been in years.

     I sort of feel the same way, I was angry at first for doubling my price but that forced me to go back to YNAB 4 and I am so glad I did, I had forgotten how simple and straight forward it was.  I actually like YNAB 4 better than nYNAB and would be willing to pay 45/yr if they would just keep it updated in the future.  However if it does break I will certainly check out Actual since it is like YNAB 4.  I just hope the developer of Actual does not ruin it by adding so many features that most people do not need.  I am a big proponent of keeping things simple.

    I no longer have any hard feelings against YNAB either because of the price increase.  Their  methodology and software have helped me a lot over the years.  I just simply do not think nYNAB is worth 90/yr when I do not use or even like most of the features (direct import, credit card handling, the new debt functionality- never even looked at it).  I used nYNAB in a method similar to YNAB 4 anyway with work arounds such as credit cards as checking accounts, no direct import- agree with Jesse who taught we need a hands on approach, I also used the income for next month work around buffer.

    Anyway I do wish YNAB great success going forward and I also wish everyone that lands somewhere else great success.  Envelope budgeting is the way to go (regardless of which app you use or even if you just use pencil and paper), the envelop method should be taught in schools so future  generations will be successful.

    Like 3
      • Seabass
      • Seabass
      • 2 mths ago
      • 3
      • Reported - view

      ynaber2613  You are so right, it should be taught in schools.  My sister had been on disability for 20+ years prior to getting married and she survived on the envelope budgeting system, actual envelopes.  It was hard but somehow she made it. When she did marry, she used those envelopes to eliminate her husbands debt.  It made me realize how the system can make your dollars do so much more. To this day, she still saves for big ticket items with cash in envelopes.  For her, it comes naturally. 

      Like 3
  • Like
  • I am with you Blue Koala (9a03380df751) , Keetman , and pgauntlett . I've ended up going back to my paid for YNAB 4. Turns out I like the interface even better than nYNAB. I've got it all working on my latest Mac and iPhone and everything migrated from nYNAB. I thought direct import was a must for me but it really isn't. Most of my transactions get added by scheduled transactions as it is. File import is simple and easy. The Net Worth report is SO much nicer than what they did to it in nYNAB. Can you say ugly? Thank god for the Toolkit developers. I look at is this way, YNAB has just saved me $450 over the next 10 years.

    Thank you for all the research! There's a good chance I'll subscribe to Actual after they add direct import. It's a nicety that I'm willing to pay for but certainly not a deal breaker.

    Like 6
      • ynaber2613
      • ynaber2613
      • 2 mths ago
      • 1
      • Reported - view

      Superbone Glad YNAB 4 is working for you, I think a lot of old users are rediscovering how good it is.  I did not try to import my nYNAB data, was that a lot of work?  I didn't mind a fresh start either but getting all data in YNAB 4 would be nice.  I may give it a go just to have it all working in one place.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 2
      • Reported - view

      ynaber2613 Yes, it is a lot of work but work I was willing to do. My history goes back to 2010 and I'm proud of my net worth progress over the years.

      https://github.com/rixx/ynab-downgrade

      Like 2
    • Superbone I discovered the same, it’s amazing how good YNAB4 is, and how much better it looks! It’s really strange how nYNAB still after so many years isn’t on pair with YNAB4 (except the direct import of course).

      Like 3
      • pgauntlett
      • pgauntlett
      • 2 mths ago
      • 1
      • Reported - view

      Spring Unicorn In YNAB 4 also miss goals (although I didn’t until I had them!) and most importantly the Move Tool (between categories).

      Like 1
    • pgauntlett actual has that (move money) and they say goals are coming --- I really do hope so that is one feature I do like. 

      Like 1
    • Spring Unicorn I wish I could use it but since its no longer supported and needs a converter to run on Mac - it is probably just an apple update or two away from not working I am going with actual becuase its very similar to 4 but still being supported. I just hope they dont do the same thing ynab did to its customers and go with "the F you all" pricing plan.  

      Like 1
      • ynaber2613
      • ynaber2613
      • 2 mths ago
      • 3
      • Reported - view

      Blue Koala (9a03380df751) As far YNAB 4 and Apple is concerned I  think it should work for a while.  I updated to the latest OS and IOS that was recently released and it is working fine so that gives me confidence for a while.  The one thing that could possibly break sooner in my opinion would be dropbox but I'm not too worried about that either.

      Concerning Actual I do have the same concern as you and hope he does not go the way of YNAB and keep adding features that a lot of users don't need thus causing the price to creep upwards.  Since he designed Actual to be similar to YNAB 4 I would hope that he appreciates the simplicity of YNAB 4 and keeps that simplicity in tact.

      Like 3
    • ynaber2613 I just dont want to rely on 4 to continue to work -- but I really hope the actual developer keeps it simple or at least does tiered pricing. I do plan to buy buckets as well for backup and to see where it goes - I like it but its just a little less intuitive 

      Like
      • Herman
      • herman
      • 2 mths ago
      • 1
      • Reported - view

      Blue Koala (9a03380df751) that is a reasonable plan.  I just figure it is easy enough to change tools.  If I get a year or 2 more out of ynab 4 I'm ahead.  

      Like 1
    • Superbone I keep getting syntax errors when I run the below script in python

      python split_export.py path/to/nynab_data_directory/Register.csv

      I am not a Python programmer but I did pull up the Python CMD line prompt in Terminal.  I have tried replacing 'Path' in the script with the complete path of my current .csv file, I guess I don't understand the above script.  What exactly goes in each field of the script path/to/nynab_data_directory/Register.csv?

      I have already deleted the duplicate transfers in my .csv file.  I could split the .csv file into multiple files for each account myself but I need to format the names and columns first so YNAB 4 will recognize them.

      Thanks

      Like
    • ynaber2613 Superbone  I think I have figured out how to do it without Python by using a combination of those instructions and manipulating the data in Libre Spread Sheet.  It is tricky though, I have deleted all imports a few times already to go back and massage the data in the spread sheet to fix certain issues.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 1 mth ago
      • Reported - view

      ynaber2613 Replace 

      path/to/nynab_data_directory/

      with the path to your register.csv file and replace Register.csv with the name of your register.csv file. I just changed mine to Register.csv to make it easy. YNAB gives it a long name with the date.

      Mine looked like this:

      python3 split_export.py Documents/Financial/YNABExport/Register.csv

      Like
      • ynaber2613
      • ynaber2613
      • 1 mth ago
      • 1
      • Reported - view

      Superbone Thanks, I will try this again tomorrow, I just did it all manually and that was a PIA and some accounts are way off in the totals so I must have messed up something, most accounts are balanced fine but a few are off so much I have lost confidence.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 1 mth ago
      • 1
      • Reported - view

      ynaber2613 Believe me, I went through over 100 accounts including all of my closed accounts and many of them had incorrect balances to start. I just compared them to web-YNAB and figured out where they diverged. Many times it's just a matter of inputting the correct starting balances. One issue is that all transfers show up twice, once on each side. I had to figure out a system to delete the extras as I imported one account at a time. Once I had an account balanced right and new transactions showed up in the balanced account, it was easy to find them and delete them in the balanced account which fixed the newly imported account.

      Like 1
      • ynaber2613
      • ynaber2613
      • 1 mth ago
      • 1
      • Reported - view

      Superbone Yea, I just figured out the problem, it all stemmed from the starting balance on some accounts.  I am not sure where those weird numbers came from.  Those numbers were not in nYNAB but they were in YNAB 4 after the import.  After the import one account had a starting balance of 586.87 but that number was no where in the csv file.  Similar problems with a couple of other accounts.  YNAB4 must not be able to handle starting balance import sometimes.  All accounts are balanced properly now so the next phase will be to export the YNAB 4 data I have been using for the last few weeks and import those back into the historical YNAB 4 file so I will have a continuous run.  Thanks for your help.

      Like 1
      • Max
      • YNAB Class of 2007
      • Max
      • 1 mth ago
      • 1
      • Reported - view

      Superbone I like YNAB4 much better as well.  As a user since 2007, I cancelled/deleted my nYNAB account this evening.  I will continue to use YNAB4 for as long as I can.  It just works!!

      Like 1
  • Superbone said:
    YNAB has just saved me $450 over the next 10 years.

     Actually they saved you $900

    Like 3
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 2
      • Reported - view

      ynaber2613 And that's assuming no price increases in the next 10 years!

      Like 2
    • Superbone its literally doubled in the last 5 so thats probably not gonna happen! im curious to see what their 'end point' is -- know much do they think this software is worth every year????? $129? 159? 199? 399???????? I think they really are pricing themselves out of a lot of subscribers, there are just to many alternatives out there. 

      Like 4
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 2 mths ago
      • 6
      • Reported - view

      Blue Koala (9a03380df751) It's a study in pricing elasticity.  There probably won't be another price increase for a while, but I could see them pushing it to like $109 in a year or two while retaining the 10% discount with legacy customers.  Then see what happens to subscriptions.  In spite of all of the noise in this particular post, I suspect that the overall number of cancellations resulting from this price increase isn't even a blip on the radar screen.  That doesn't mean I'm thrilled about it.  Just realistic.

      A lot of this may depend upon what happens with other products like Actual Budget.  YNAB has had no meaningful competition in this space up to this point.  If the developer of Actual Budget - or others - kicks into high gear with a strong effort to create a competing product then that could certainly alter the landscape.  I'd be happy to see that because the market needs more choices for this type of budgeting.

      Like 6
    • Budget_NC likely you are correct, they will lose what they consider to be an insignificant amount of business and just do not care that much but I will be one of them because I just do not need to spend 100 when I can spend 50 for a different app that does pretty much the same thing. . . I do not find value in all the added "features" -- import does not work (needs to be disconnected and reconnected monthly at a minimum) perhaps my credit union and CC login security?? who knows? the loan tool is a complete waste of time, I tried it and reverted back to 'tracking / off budget' because it is just more trouble than its worth, I really do not need the reports, am very content to add transactions myself a few days a week and I just refuse to participate in supporting bad behavior and dishonesty from companies I do business with IF there is a choice and in this case there are several very good ones BUT  you are correct that most will complain and in the end will simply pay up and keep going. 

      Like 3
      • Seabass
      • Seabass
      • 1 mth ago
      • Reported - view

      Blue Koala (9a03380df751) $129 is very likely, given that is what Ramsey charges now.  Of course, he has a bigger package of features for that money.

      Like
  • Obviously YNAB is  gearing up to go public. This is classic procedure. They will inflate their value and then sell out. Meacham will retire in the South Pacific, and then come back and start over. Greed rules everything. It's the American way. 

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

      Purple Drum And if that were the case, the real value of YNAB is in the data.  In the 21st century, greed is not just the American way.  It is just easier to see.

      Like 1
  • I've ended up deciding to just use Quicken.  I had a Quicken subscription that I bought and then didn't use.  It renews in a month so I've been converting my 2020 and 2021 data to Quicken.  The annual cost of Quicken is now far, far less than YNAB and it offers more features YNAB doesn't have.

    Yes, yes, I know Quicken doesn't really do zero based budgeting although you can look at cash flow.  But, honestly, I don't need zero based budgeting at this point (retired).  So that is not a deal breaker to me.  

    Unlike many I don't do direct import.  I've never done it on YNAB and won't continue doing it on Quicken most likely (I did do it to help with initial set up).  

    The one think I truly miss from YNAB is that Quicken is not fully cloud based.  The program interface (desktop) is not as nice looking as YNAB4 or nYNAB so I miss that.  The web version is nicer but is more limited.

    I did go get my old copy of YNAB4 and I will import data to it so I have an easier way to look at versus looking at the exported data in a spreadsheet.

    Like
    • katsmeow I was running Quicken for Mac and Banktivity side by side the past 2-3 weeks. Ended up choosing banktivity because it’s cloud based version allows access from multiple devices with the same user experience on each device. 
      I really disliked how Quicken has implemented its cloud based functionality using Quicken For Web. It doesn’t include a lot of the same features and some accounts don’t even sync properly with the cloud. 
      im in the same boat as I don’t necessarily need envelope budgeting so it’s not a deal breaker but Banktivity was just the better all around option right now. 

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

      Khaki Sander Alas, I am using Windows so that isn't available to me.  Sounds like a great option for Mac users.

      Like
    • HappyDance I just committed to actual -- very similar to ynab 4 I just really hope they add goals soon..... but $4 a month is better than a hundred a year until YNAB decide to jack the price up again - it has literally doubled in the last 5 years or so. 

      Like 2
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 1 mth ago
      • 2
      • Reported - view

      Blue Koala (9a03380df751) 

      I am satisfied with the current value to price ratio and monthly cost breakdown. My YNAB habit will run approx $10 to $12 Cdn a month after currency conversion.  YNAB4 remains a viable alternative if I need to reduce costs. At the low end, however,  it's what I pay for Netflix, which I use far less frequently than YNAB.

      From my perspective YNAB continues to save me 10 x that estimated monthly cost (easily) in drive-thru expenditures alone, a spending behaviour I struggle with and which springs back up and has to be ruthlessly rooted out repeatedly even after 7.5 years of YNABing. I am not a fan of SaaS. I detest the model.  In fact, YNAB is the only SaaS I have, so that's saying something.

      Like 2
      • SgtBatten
      • "YNAB broke" since 2013
      • SgtBatten
      • 1 mth ago
      • 1
      • Reported - view

      HappyDance You have to realise how much money netflix invests in licencing and infrastructure. costs that YNAB does not have. Yes the user bases would be different sizes but YNABs model should scale rather well if they are doing it right. I cannot justify their charge the same way you do. Unfortunately for me my workflow is heavily reliant on their API and I will not be able to transition to Actual Budget until their API can function on mobile devices. I will be endeavoring to assist the dev where I can in bringing that to life before my subscription renews.

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

    Going to look at https://moneydance.com/ Anyone tried this before?

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

      I've used it before although it's a few years now since I have used it. It didn't do envelope-style budgeting though so it didn't do anything like what YNAB does. That may have changed although looking at the web site I would doubt it.

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

      alexmidd Ok, thanks. I'll try it out and see. 

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

      alexmidd Yep, not an envelope style budget. It's a forecasting style budget. One of the extensions said it was envelope style, but I've not figured out how it is. 

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

      Khaki Storm the Moneydance people have been talking about “envelope” style budgeting for years and I have had two goes at it for that reason. But no - it’s definitely not (although great for everything else).

      PS: As you say there was an independently produced extension for this but i found it awkward and unreliable.

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

      pgauntlett Ah yes, that takes me back, the extensions. I used Moneydance for a good number of years and some of the extensions were quite good, I used one to track shares and it worked quite well. I ditched it when I discovered YNAB in 2015 and it doesn't look like the application has changed much during that time.

      Like 1
  • I like the zero based / envelope system have you considered buckets (not bad but feels unfinished no mobile app either) or actual budget? -- thats the one Ive settled on it looks a lot like ynab 4 and is pretty intuitive to use so far running parallel with my Ynab until sub. ends in march. banktivity was a close second but Im just not smart enough to figure that all out! (Mac only) 

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

      Blue Koala (9a03380df751) I'm looking at actual budget right now and then https://goodbudget.com/

      Like
      • Bruce
      • Software Engineer
      • Bruce
      • 1 mth ago
      • 1
      • Reported - view

      Khaki Storm I really like Actual.  I've been running it parallel with nYNAB for a little over a month, and think it's going to be my new forever home.  With a couple of exceptions, it's either the same or easier to use and while it doesn't currently have goals natively, there is a 3rd party that has created a goals feature, if you're somewhat technically inclined and not afraid to use a command line... I haven't used it, but it seems pretty powerful, with more options than YNAB has.

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

      Bruce Yeah, goodbudget didn't have auto imports. I am liking Actual. 

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

      Khaki Storm still not bank import in Actual, but they said it is coming. 

      Like 1
      • Bruce
      • Software Engineer
      • Bruce
      • 1 mth ago
      • 1
      • Reported - view

      Khaki Storm Yes, it is coming, and (at least for me) the manual import is working pretty well in the mean time.  Besides that (and goals, which are also coming, -- or have come, if you use the 3rd party tool) I'm pretty satisfied with Actual.

      Like 1
    • Bruce where is the goals add in???? I do miss that in ynab but I think it will appear in actual soon (I hope) im using pen and paper as of right now and put monthly amounts in a note as well as a work around for now 

      Like
      • Brendan
      • Former YNAB enthusiast. 2008-2021.
      • brendan_nz
      • 1 mth ago
      • Reported - view

      Blue Koala (9a03380df751) You can find the add-on at https://github.com/bdoherty/actual-budget-template.

      Just add a special comment to each category that you want a goal for, then run the utility from the command line. Make sure you have Actual desktop running so that the utility can access the API.

      Like
    • Brendan —- thanks — this looks like just what i need …… all i really want is basic goals to keep me on track thats one ting ynab did well however i know nothing about programming - zero or less than zero …..i have NO IDEA how to do any of this, i have a mac if it matters does adding this cause any issues with the app? will it be overwritten with updates? how do i get it to do its thing??? and most important, is there a possibility i can mess up my computer or the app by attempting to do this? thanks! 

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

      Bruce I added the 3rd party tool to Actual to try it out for goals. I'm not sure I'm going to use it. I'm just going to put my goals in the category description. Then they are visible while I manually put money in each category. 

      Like
      • Bruce
      • Software Engineer
      • Bruce
      • 1 mth ago
      • 1
      • Reported - view

      Khaki Storm Yeah, I'm not really using it either.  Although the dev has indicated he's planning to implement goals as a feature of the app, so I'm sure that will be a much easier thing to use.  I'll see then if it's worth using.  For now I'm using the "next month is the template" workflow, and will probably make tweaks to certain categories as needed.   I'm actually liking that workflow better than I did nYNAB with goals, so I'm not too unhappy with it right now.

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

      Blue Koala (9a03380df751) I'm not a developer either. It took me a couple of hours to figure out what to do, but after it was working, I'm not sure I'm going to use it. I'm just going to make my target part of the category description. 

      Like
      • Brendan
      • Former YNAB enthusiast. 2008-2021.
      • brendan_nz
      • 1 mth ago
      • 2
      • Reported - view

      Blue Koala (9a03380df751) 

      I think we should continue this conversation off of the YNAB forums. Come over to https://slack.actualbudget.com/ and ask your questions. I'll help you as best as I can (not an apple user).

      Like 2
    • Brendan thanks, Im already on there and follow the reddit as well. 

      Like 1
  • I am no happier about the price hike as anyone; but I will also say that perhaps some of that cost goes to paying for a very good employee base.  I wish there were more features, I wish it was cheaper.  But the support I have received as recently as this week makes me thankful that they've hired good people.  I have never had support this good and attentive with any service, anytime.

    I will stay with YNAB and pay the higher prices.  I always reserve the right to change my mind; but I awfully impressed with the great team at YNAB and think it's worth a few extra dollars.

    Like 4
      • pgauntlett
      • pgauntlett
      • 1 mth ago
      • 1
      • Reported - view

      rlogue06 I do think that this is a very fair comment. Particularly in the early months when still trying to make sense of things. Having said that, after a year or do the support is rarely, if ever, needed. The support costs must be enormous - particularly when I look at the example of one of my preferred alternatives, where the support team has needed to be slashed and restricted to office hours, Mon to Fri.

      Like 1
      • rlogue06
      • rlogue06
      • 1 mth ago
      • 2
      • Reported - view

      pgauntlett I agree I don't need much support these days either.  But, this week had opened a new account at a new bank that wasn't listed.  They added the bank for me, and it wouldn't connect.  They stayed with it for a few days until it finally worked.  I was very impressed.  I've had similar experiences with them in the past.  They earned another year or two out of me for sure.

      Like 2
  • I have used YNAB since the spreadsheet, gifted a subscription to my children, and have recommended to friends and family. Oh, and I am a developer/founder of a fledging software company.

    I have looked at some alternatives mentioned in this thread and one thing that stood out to me was Banktivity's comments about their version 8. Their users have echoed some of the same concerns I have seen over the years with YNAB. This led me to look at features and for comments about other YNAB contenders and I have drawn a few conclusions.

    • The price increase and its announcement makes little sense.
      • At the rate competitors are entering the market, YNAB is going to need to lean on its reputation to stand out. Cashflow, zero-based, and envelope budgeting seem to be the trend that connects best to users.
      • Feature-wise YNAB is playing catchup to newer and fresher offerings (more complete loan management, debt planning, etc.)
      • Getting transactions from financial institutions is becoming harder for developers to do, unless you are Intuit/Quicken.
        • I have given up on the team at YNAB on fixing this issue after going from their primary, to backup , to primary, and back to the backup. Not very impressing. 
    • Tiered pricing makes no sense.
    • It is possible there is an exit being planned. I sure hope not, but it's possible.
    • Not having a mobile application is not a strategy for a finance app, and if you do, you must have parity.
      • The subscription model makes sense when you have a mobile and web/desktop architecture. Servers aren't free.

    For now, we are going to stick around because YNAB has helped my wife and I get more in sync with our finances, that's it. There was a period I used GnuCash, but the mobile app would not be something my wife would want to use. I can do everything else in GnuCash, but being able to both understand where we are financially has helped us. I have toyed around with the idea of building a mobile app and building a zero-based budgeting plugin for GnuCash, but time is an issue. So, I guess I am paying for convenience. 

    One more thing. If I were pricing YNAB, it would be between $70-$80 annually. We pay $100~ for O365 and that is legit four applications and in one of them I could duplicate the functionality of YNAB (I have used YNAB since the spreadsheet).

    Like 2
  • Had YNAB for years now and yeah it was a decent tool to help me get organized on somethings. but unless you released full access to every account you have for some automation it was very tedious.. which is totally understood that i chose that sacrifice to NOT have yet another source of identity fraud etc.

    The bump, with NO NOTICE except a buried email, HECK OFF.. this should have been announced WAY in advance, been mentioned on the LAST BILL we got, and a PUSH NOTIFICATION.

    I dont need to meticulously budget like this ... nothing i cant do in a spreadsheet for $15/mo less.

    YNAB price hike to $15/mo is nuts considering i can get many other content dense things for way less. not like you guys are storing massive data! its a spread sheet and a fancy interface when you get down to it.. so yeah, cancelling this ****, absolutely not worth it.

    perhaps you should have considered a grandfathered option or minor price differences based on account length/history.

    Like 3
    • random bologna name  If they were going to double our prices citing a 5-6 year old reddit post as notice is a bit ridiculous -- they at a minimum shoulda sent a direct email or letter in the mail or at least a large banner and it should've been a much more gradual increase or tiered levels but they've made their position on the increase pretty clear to the grandfathered price people (long term users) : "F you all!"  actual budget is my choice, Buckets is just not enough and banktivity is far to complicated for what I need, so hopefully actual will not do the same thing to subscribers down the road. 

      Like 3
  • should have been a push notification

    Like
  • my YNAB4 key doesn't work

    Like
    • Ivory Mill mine didnt work either but that was due to a MAC OS upgrade (there is a converter out there to make it work) but I dont want to rely upon an older unsupported app to handle my finances so Im changing over to Actual budget it is very similar to Ynab 4 and at $4 a month, it is reasonably priced and seems to be supported pretty well and actively developed. If you want to, you can call or message YNAB to get your old key but I personally dont want to use an unsupported app. --good luck whichever way you go! 

      Like
    • Blue Koala (9a03380df751) yeah I've got my ynab4 working. This is fine for me but I will have another look at Actual Budget. Buckets also is fine for me.

      Like
    • Ivory Mill good luck with it --- I do like buckets but its pretty rough feeling  -- like its not finished and from looking at the change logs, does not get real updates very frequently it is also pretty difficult to work with but I love the idea and the method. Im going to keep the trial loaded so I can keep an eye on it to see if it gets where I need it later on. It is also missing a mobile app- actual has a very basic one and that is fine with me, all I need to do is add transactions and see amounts on my phone when Im not home and the developer is involved on a lot of forums and he promises direct import pretty soon, Id rather have goals but that is coming also, I like that the developer asks for opinions and responds to questions that is nice..... so --- good luck with what ever you choose. I really wish YNAB had not done this to us but it is what it is. 

      Like
    • Ivory Mill Actual looks a LOT like the old YNAB that I really did like without the dropbox complication, I only moved to the new one because 4 would not be supported and despite what YNAB continues to claim--- they did promise the price would be fixed for those who moved from the one time purchase to the new subscription model. 

      Like
    • Blue Koala (9a03380df751) I've officially moved over to Actual Budget and cancelled my nYNAB subscription.  Buckets was just too raw for me and Actual does everything I did in YNAB 4 & nYNAB.

      Like
  • I received ZERO notification that you were going to TRIPLE my monthly cost (double the yearly). I've been using you for YEARS and YNAB has become part of my daily life. You can't just change my costs without telling me (and I looked through all of my notifications from YNAB). Even so, a tripping of the cost? Seriously? Nope.

    Now, I'm going to have to invest a bunch of time to set something similar up with another product and the routine I've had for years that has worked beautifully for me is going to have to change. I'm not pleased, not pleased at all. I will be leaving.

    Like 3
    • Powder Blue Device well if you ask YNAB they will tell you that 5 years ago Jesse made a reddit post that said the price was not guarateed despite what was said in the emails that went directly to users from ynab --- that single post on a third party chat site is what they are claiming is notice.  ive already cancelled my subscription (keeping it updated till it ends in march alongside buckets and actual to see which I like better) buckets and actual are pretty good alternatives but not the same thing as ynab,  both work well but takes some getting used to. but id rather support them than YNAB at this point. im on actual since November and it works -- similar to the old ynab4 methods which Im starting to remember why I liked 4 so much- I only went to new ynab because of the promised fixed sub. price I was pretty happy with 4. 

      Like 1
      • Katejo
      • katejo
      • 3 wk ago
      • Reported - view

      Blue Koala (9a03380df751)  I reluctantly switched from Ynab4 after using it since 2014 simply because I needed to replace my laptop and didn't think I would have access to download Ynab4 to a new laptop (or the app to a new phone) . I have got used to nYnab now and will be able to afford the increased subscription but am wondering how much longer I will carry on using it. If I did stop and cancel, I wish I could download what I had done so far.  I preferred quite a few things on Ynab4, particularly how it dealt with CC accounts. On nYnab, I treat my CC account as a debit account (as I did on Ynab4).

      Like
  • I started using YNAB4 again a couple of weeks ago and it seems like it's enough for my needs....will run it against nYNAB for a month or so and then, like they say on "gas station encounters"...SHE GONE!!!😂😂😂

    Good news is that the money i had budgeted for YNAB  sub will be used elsewhere....Sayonara!

    Like 1
      • Herman
      • herman
      • 4 wk ago
      • Reported - view

      DosBoss57 Been running ynab 4 along with nynab since shortly after the announcement.  2 more days of nynab(So i have all 2021 data in one place) and then I'm gone as well. 

      Like
    • Herman I've also been running YNAB 4 since November 1.  My subscription was set to renew December 30th, so I'm making one last trip into my online account today to make sure I grab any notes I might have forgotten about (I don't use them very often), and then I expect not to have access starting tomorrow.  I didn't bother running them in sync as I don't expect to be renewing/going back to online any time soon.

      Like
      • DosBoss57
      • Sales Manager
      • Sky_Blue_Drum.14
      • 3 wk ago
      • 3
      • Reported - view

      Herman Cancelled my subscription and deleted my account today...done here....Using YNAB4 and should that give me headaches, I'll give Actual Budget a go.....Good luck everyone.....I just can't wrap my head around the 89 dollar thing....It just pisses me off. It was good while it lasted

      Peace

      Like 3
      • mdmangus
      • mdmangus
      • 3 wk ago
      • Reported - view

      DosBoss57 I been running YNAB4 again as well for about a month and so far it works fine for my needs.  If mobile or whatever gets problematic I'll probably then revisit Actual Budget which looks promising.  At one time was hoping YNAB would have family support which there is a thread on that, but it stated they are working on it and its been a while.  With this whole ordeal I will just teach my teens on YNAB4. 

      I cancelled my subscription, but don't plan to delete yet.  I did drop my account out of the share my data going forward though.  Maybe I will delete my account completely, but I will treat this like a business decision and at-least have the account if for some reason I need to use again, but I don't want too anymore.  Here to hoping YNAB4 holds strong with mobile support and Actual Budget keeps improving.

      Like
  • I have been with Ynab since the subscription model started. I would have been willing to pay more, just not double.  Seriously with all the loyalty users quitting they will probably have to raise the price again!  I have already switched to another budgeting app and I am happy with them.  For those who are also jumping ship make sure to leave a review for the Ynab app in your app store.  Such a pity! 

    Like 3
    • Melissa Which service did you switch to?

      Like
      • Melissa
      • Melle_c
      • 3 wk ago
      • Reported - view

      JamesValero Goodbudget. They don't read accounts but I'm used to entering my expenses anyway. 

      Like
  • actual budget for me -- -BUT just found out that buckets is finally adding a mobile app (in beta now) --- both have their issues but both do what I need them to --- keep my money straight! many alternatives to coughing by ynab............ this thread is pretty much dead so looks like everyone has made their choices -- good luck and happy new year 

    Like 1
    • Blue Koala (9a03380df751) still running Banktivity and Actual side by side. Banktivity offers such a lot as finances get a bit more complex (with age!).  

      The Actual developer has been promising better reports “imminently” for 2 years so losing faith just a little bit in how fast progress will be.

      I own Buckets but found just a bit too “different” for my tastes.

      Good luck and wishing everyone a great 2022!

      Like
    • pgauntlett how is syncing between devices with Banktivity? Read reviews complaining about this is not reliable. 

      Like
    • JamesValero good question. I have never had a problem with sync from Mac OS to iOS. The Mac app seems to auto sync reliably on exit.


      Where I have encountered issues is on opening the Mac app after entering transactions on iOS - and funding those new transactions missing on the Mac. In these cases I have had to reopen the iOS app to get the transactions to sync across. As my workaround, what I do now is to manually sync on iOS before exiting. It’s a pity - and they do not seem to document this. But I have not been able to find any other envelope budgeting app that can give me the investment functionality or reporting that Banktivity does.

      I would gladly pay in full for YNAB if they included an optional investment module and proper reporting functionality.

      Like
      • @JamesValero  by the way the iOS app should sync on closing or on switch to another app. It’s just that it occasionally fails to do so (unless done manually) . I understand that this is due to the way the mobile operating system prioritises tasks rather than a specific Banktivity issue.
      Like
  • Closed my account for good, now that 2021 is closed.

    How ironic:

    "Don't worry—you'll be automatically refunded for any unused time. Your refund will show up on the card that was originally charged, though it might take up to 10 business days. Part of our Don't Pay for Stuff You Won't Use policy."

    If they stick to that policy and introduce a subscription without Direct Import, I MIGHT reconsider ;-) 

    All the best for 2022!

    Like 4
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