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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  • Thank you to those who have shared your feedback over the last few days. It's important for us to hear from you.

    A few resources for questions popping up in the thread on managing your data and subscription:

    (Edit to add a link to this comment thread: Apologies for my error in how this post could be interpreted. It is not intended to encourage folks to leave, but that if you've made the decision—make the information easier to find.)

    Like 5
  • Hey YNABers! I know you have questions and have been waiting to hear from us. Todd, YNAB's CEO, is doing an AMA on Reddit tomorrow, November 5, 2021, from 12pm ET to around 2pm ET. Here's the announcement thread on Reddit

    Our team has read through this thread and already shared some of the main questions, but we want to hear directly from you too. We'll see you over there!

    Like 3
  • It's a weird thing, this: because YNAB has helped me become mindful of every penny, a price increase for YNAB doesn't feel good. Yet I can thank YNAB for that. $14.99 a month for is a lot for any app in my (check)book, and that's something I need to figure out how to reconcile. I wish I could shop for an alternative, but there simply isn't one out there that does what YNAB does. 

    Like 11
      • Seabass
      • Seabass
      • 1 mth ago
      • 3
      • Reported - view

      Sky Blue Tugboat Is there any way you can bulid up a sinking fund so that you can pay annual?  It blows my mind that folks have to pay the monthly rate.

      Like 3
    • Sky Blue Tugboat For me, I can't justify the price increase. I've recently come back to YNAB after a few years, and coincidentally this was going to be my first full month "all in", when I saw the increase.

      The subscription model always felt a little off to me anyway, and doubling the price for those of us grandfathered at the old rate is a very firm no for me.

      I utterly fail to see what additional benefits to me, as a customer, get for that price rise. "Oh you still save money" doesn't cut it. In what way has the product changed for my benefit to warrant doubling the price?

       

      Answer: it hasn't.

      Like 27
    • Cadet Blue Door Doubling in price? I wish it was only double. This triples the price for me. Just as YNAB taught me...make every dollar count. I knew this would come someday. They suck you in with decent software, then suck your wallet more and more once you're hooked. I pay $5 a month, and the software doesn't do anything different now than it did when I first started paying...yet I'm supposed to think it's going to require triple the payment to keep the "white gloves" working? Nah.

      Like 16
    • Good While It Lasted I suppose I'm looking to budget not for $100, but actually $200 for next year's surprise too 😂

      Like 2
    • Maroon Pilot We think it's a tremendous value, and more accurately represents the worth of the software!

      Like 1
    • Pickle of the North Oh, most definitly. I'm on my 2nd year and there is no disagreement there.

      Just hoping there will be more support and vision for non-US users.

      Like 1
    • Maroon Pilot I was being sarcastic. I believe it'd be a good value for Todd to come clean my house every fortnight for free, but it doesn't matter what I believe. It matters what your user base believes, and many now believe the company has lost its way, and those who used to evangelize will do exactly the opposite. YNAB as a thing in the whole mess of software out there had the true benefit of a user base that was absolutely fanatical about it, who liked the company and so would carry on with it through a lot of things that most other software companies wouldn't get away with. They have now crossed the line for seemingly no justifiable reason, and tossed away that advantage, and lost much of the goodwill, and I don't see any real chance of them reversing course, which says to me that yeah, they don't care anymore. We may never know the reason why, but it's academic. They've made themselves just another fish in this pond, and there's lots of fish who will be good enough for a lot less cash, and may just feel better to deal with too.

      Like 9
    • Pickle of the North 

      I totally agree with you. Next move is to sell the company to Intuit or something. Do you know of a discussion anywhere about viable alternatives to YNAB? 

      Like 4
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 1
      • Reported - view
    • Pink Major 

      I appreciate that you took the time to provide the link. Thank you. 

      Like
      • Pineapple Gal
      • Goal-Getter
      • Orchid_Wrench.11
      • 3 wk ago
      • 2
      • Reported - view

      Good While It Lasted As someone who works with SaaS companies all the time, I can appreciate the ever-increasing cost of running a platform like YNAB. As a customer who just joined six months ago, I'm a little sad that I'll be renewing at a higher rate, but still happy to stay.

      Like 2
    • Pineapple Gal Just paid half the price for Quicken Premier, which has SO much more information and the ability to do SO much more than YNAB. Even when I start paying full price for the Quicken, it will be cheaper per year than YNAB. That's insane. YNAB does nearly nothing comparatively, but costs more. I even used their support on day two. I got on the phone with someone within 30 seconds, shared my screen with him, and he walked me through my problem in no time. It was simply amazing. You can't convince me that YNAB is worth more. I'll use this month to transition from YNAB to Quicken, then YNAB is gone for me. I'm sure I'm only one on a massive list of people that feel the same.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • 2
      • Reported - view

      Good While It Lasted If Quicken had zero-based budgeting I’d probably never have heard of YNAB. Unfortunately, it doesn’t and probably never will. IMO, and yours is probably different, any budgeting software that doesn’t use a zero-based, envelope method is overpriced, regardless of the price. 

      Like 2
    • Habanero Salsa You're right...kinda. That's exactly what I used their support for. I told them that I liked the zero-based budgeting method, and he showed me how to set up my register for upcoming transactions (setting money aside for future bills, showing me an updated available balance after setting that money aside.)

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 3 wk ago
      • 3
      • Reported - view

      Good While It Lasted I'm switching to Banktivity that does everything and it has zero-based budgeting. However, it's Apple only.

      Like 3
    • Superbone I would have used Banktivity, but although I use iPhone, my PC is still Windows. :-(

      Like 1
      • Pineapple Gal
      • Goal-Getter
      • Orchid_Wrench.11
      • 3 wk ago
      • 1
      • Reported - view

      Superbone Sounds neat. I'll look into that! 

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

      Seabass I'm not happy with the increase either. I'm looking at https://countabout.com. It seems to get fair reviews.

      Like
      • Bruce
      • Software Engineer
      • Bruce
      • 3 wk ago
      • 1
      • Reported - view

      Khaki Storm Yeah, I looked at it.  I think the thing I didn't like about it was the budget isn't for a given month, but all months of the year are there, and you have to remember what field you're putting money into.  Seemed a little too open ended for my tastes.  But I'm sure it "speaks to" some people.  

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

      Bruce Khaki Storm After seeing this last night I went and looked at the site and it seems weird.  There's barely a screenshot.  I dunno.. 

      Like 1
    • Good While It Lasted I just sent a PM question.

      Like
    • Superbone This interest me. I'll PM you.

      Like
  • Do I lose the extra benefit of being an earlier adopter too? I was at the $45/month price point. Your FAQ doesn't mention that $5. A 98% increase this is really a hard pill to swallow and might be the end for me. Is this much of a price increase really worth the number of customers you'll potentially lose? I already had a hard time getting people to try YNAB at the old price point, and I suspect retaining some customers will be difficult now too.

    Like 32
    • Tomato Motherboard Yes, as a YNAB 4 user the 10% discount is lifetime and you will keep that benefit.

      Like
    • Nicole You aren't listening. The 10% discount would have put me at $50/year. I was at the $45/year pricepoint.

      Like 13
    • Tomato Motherboard The FAQ was updated - this price increase removes the legacy pricing plan.

      Like
    • stephywephy It makes no mention of the people that locked in the $45/year plan. It only mentions the $50/year people. Do I lose that discount entirely as well? You're hurting your earliest adopters with an even bigger increase.

      Edit to add: Or nevermind. I guess I was basically on the $50 plan with a 10% lifetime discount. But I swear all the language around signing up early was that we lock in that price for life as well, but unfortunately it's hard to find old documentation for it.

      Like 16
    • Tomato Motherboard I briefly looked for some language because I also thought the legacy pricing was lifetime. I still have my YNAB4 copy and don’t use bank connect so I’m going to play around with that $0 option again. 

      Like 11
    • Tomato Motherboard my memory recalls that the 10% discount was for life, but price increases would apply to us YNAB4 migrators as well. YNAB just choose not to move us to the new plans in 2017 when they increased prices. 

      Like
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 2
      • Reported - view

      Nicole Your answer isn't completely clear to me.  Are you saying that those of us who are now paying $45 a year will be renewed at $89.10?  You keep mentioning the 10% discount but the price of YNAB hasn't been $50 a year for quite some time.

      Like 2
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • Reported - view

      Budget_NC That'swhat the FAQ is saying. We're being bumped up to the new price and then get a 10% discount on that.

      Like
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 4
      • Reported - view

      nolesrule Which represents a 98% price increase for us old timers.  Inflation I guess.

      Like 4
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • 13
      • Reported - view

      Budget_NC Except that it's equivalent to 12% annual inflation since launch. Inflation hasn't been that high.

      Like 13
      • Seabass
      • Seabass
      • 1 mth ago
      • 5
      • Reported - view

      Sky Blue Cartridge (ad611f05c5cc) There was a date in which they were offering lifetime $45 (10% off the then $50 sub), a window of time.  You can see it in the tweet floating around here.  But I distinctly remember it because I had to make a decision.  Again, as a YNAB4 user it was clear that the 10% would still be there whenever I switched, just not the $45 once the prices increased. 

      Like 5
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 1
      • Reported - view

      Seabass That old thread regarding a previous price increase just popped up, presumably because support just locked it. But this is in there:

      Like 1
      • ewm003
      • ewm003
      • 1 mth ago
      • 9
      • Reported - view

      Tomato Motherboard You were correct in your memory... it was lifetime $45 not a lifetime 10% discount. again I don't have the paperwork but I specifically remember that point, and I trusted YNAB to stick to their word. I for one will be canceling since I haven't been able to use the sync feature anyway, so I will be going to a budget software that's free and accounts for every dollar. 

      Like 9
      • Seabass
      • Seabass
      • 1 mth ago
      • 7
      • Reported - view

      Annieland They know that they promised (and that would most likely make it a contractual agreement) to keep it at $45 for those who signed up early on.  They are using the fact that it was based on 10% off the original annual amount of $50 to plant the seed of doubt. 

      Like 7
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 3
      • Reported - view

      Seabass So correct you are.  Good ol' plausible deniability at work.

      Like 3
      • glynab
      • glynab
      • 1 mth ago
      • 7
      • Reported - view

      I remember being scared to cancel and then re-subscribe because I knew I would lose my locked in lower rate.  Guess the rules have changed.  Something doesn't feel right about this.

      Like 7
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 4
      • Reported - view

      ewm003 I'm not thrilled with the sudden announcement, but somebody went back and found the archived announcement for the new YNAB.  The promise was for lifetime 10% discount, not $45 for life.

      What’s the price?

      The new YNAB is $5 per month, or $50 per year. (If you sign up before January 31, 2016, you'll lock in a lifetime discount of 10 percent, making it $45/year.)

      https://web.archive.org/web/20160101160419/http://www.youneedabudget.com/blog/post/the-new-ynab-is-here

      Like 4
      • ewm003
      • ewm003
      • 1 mth ago
      • 6
      • Reported - view

      Budget_NC  Good job!!  you found the one time they stated it like that. The rest of the time they made it very clear it was going to be $45/year for life. 

      Like 6
      • FTroopmom
      • Magenta_Saxophone_0faf3
      • 1 mth ago
      • 4
      • Reported - view

      Nicole  I distinctly recall having to make the decision to sign onto the 45.00/year for lifetime decision. It was not a 10% discount for life. As evidenced by we have not had to have our subscription rate increase at any other time. 

      It seems odd to me that others at the 45.00/year have the same recollection as I. But the site has been well scrubbed.
      This is very disheartening. I have been with YNAB since 2006. Bought YNAB 4 as well and then converted to the subscription fee model.

      I do not see that YNAB has delivered a 100% increase in usable content for subscribers. Some of it works, some of it doesn't. Some of it isn't applicable. 

      I supposed if 50% of your subscribers leave, you won't feel the pinch, but you won't see the gains either.

      Also- in my so-well-running app and software- I did NOT receive a message. Only in my email.

      Bad form, Jesse. Bad form.
       

      Like 4
      • FTroopmom
      • Magenta_Saxophone_0faf3
      • 1 mth ago
      • 2
      • Reported - view

       Digging through my old emails, I have been supporting this product since 2006. This is pulled from an email from Jesse - Jan 12, 2016...

      Here is what you need to know about YNAB 4

      • YNAB 4 is still all yours. You don't have to switch! We’ll officially support it all through 2016 (keep it running great!) and then unofficially for as long as possible. YNAB 4 resources are here.
      • The new YNAB is a paid upgrade. Five dollars per month, or $45/year for you, because you’re a YNAB 4 customer. (If you purchased YNAB 4 recently, you’ll get the new YNAB free for several months.)

      No mention of 10% off for life. 45.00. 

       

      Also - my email from 2006, showing I purchased that version as well...(some content removed for security)

       

      [email protected]

      To:[email protected]

      Sat, Aug 12, 2006 at 10:18 PM

       

      XXXXXX, please use the link below to download the file you purchased:

       

      http://www.youneedabudget.com/cgi-bin/t4w-d-goods/t4w-d-goods.pl?cmd=dl&txn_id=XXXXXXXXXXX&item_number=YNAB

       

      If you have problems downloading the file please contact me.

       

      Regards,

      Jesse

      Like 2
    • FTroopmom  I guess "grandfathered" in YNAB's case have a limited meaning? 

      Like 7
      • Stepan
      • stepan
      • 4 wk ago
      • 1
      • Reported - view

      FTroopmom this smells like opportunity for class action lawsuit..:-(

      Like 1
      • Lego
      • lego
      • 4 wk ago
      • Reported - view

      Annieland "grandfathered into the price" is the same as what they wrote in the email to us with the last price increase. this is pure gaslighting now, trying to say they never told us this. this tweet came from the Support Manager,  and the email came from Jesse. but they continue to gaslight us saying every one of us is wrong.

      Like
    • ewm003 Same here.  We converted to a subscription when we did because it would lock in a lifetime price of $45.  I am more bothered by the not honoring our terms than the money (which is clearly bad enough).  the only response I got was if I wanted to cancel they understood and thanks for being with them up until now.  They clearly don't value their users.  Sad - I thought this company had more integrity than most.  Maybe they used to.

      Like 5
    • glynab I was a YNAB4 user as well. Before that, started using budget programs like Microsoft Money , Quicken. 
      After ynab became a saas web application, I switched over to Banktivity. Banktivity has good or equivalent zero budgeting principle. And no yearly fee to pat AND all data local on you disk (not in cloud).

      They (Banktivity) are lacking the marketing approach that ynab has (lots of tutorials, ynab wednesdays, …). 
      So at that time, I canceled my ynab subscription, but once in a while I returned to see and check the improvements of ynab. So I re-enabled (think I did it twice) the subscription, every time at 45$/y.

      As I understood, next time it want be at 45$ anymore … ( don’t mind, locked into Banktivity for several years now)

      Like 1
      • Hammett98
      • Sea_Green_Vacuum.15
      • 2 wk ago
      • Reported - view

      Green Sound Hadnt heard of Banktivity - looks really good, until I realised it was $99.99USD and so more than YNAB...

      Like
    • Hammett98 The good thing about Banktivity is that you pay for a plan for 1 year, after that year you can cancel and still are allowed/able to use the program, everything remains available to you (even local on your computer) except for online transactions (like quotes, bank sync) 

      Like
  • nYNAB now turns out to be a really poor deal outside of North America where most people can’t connect their bank accounts, the new loan feature doesn’t work etc. I was happy using nYNAB at $45, but this seals the deal and I’ll be back to YNAB4.

    Like 28
      • Tan Wizard
      • Tan_Wizard.7
      • 1 mth ago
      • 7
      • Reported - view

      Spring Unicorn same here. I live in Europe, and even it were to be available, I prefer to add everything manually. I think YNAB should consider also a multiple tier price system, where sync would be an extra option. Also, not everybody needs the loan/mortgage calculator.

      Like 7
      • Peter C
      • Lavender_Flute.1
      • 1 mth ago
      • 2
      • Reported - view

      Tan Wizard  Not just need, everyone can really use the loan/mortgage calculator...  By the time you've factored in special amortisation types, fixing periodicities, day/divisor basis, etc etc, you'll be adjusting the numbers each month anyway.  I work in an area called "asset and liability management" in finance, and even I can't fully model my HSBC mortgage (I got it all right except for where the payment falls on a weekend, so is paid late, and they do something really weird a month later each time to take a little more - albeit only a few pence, but it's not just a case of extra accrued interest).

      Like 2
      • Blue Yeti
      • Blue_Yeti.8
      • 1 mth ago
      • Reported - view

      Spring Unicorn Agreed. I live in North America and even then I have issues with syncing to banks so I do it manually anyway. The tier system would be great.

      Like
    • Spring Unicorn I agree!  Can't believe my price is doubling for a reduced product!  Like so many others I've been such a devotee and proselytized endlessly... but this will definitely cause me to either roll back to YNAB4 or find an alternative.  I'm so saddened.

      Like 1
      • MsTJ
      • YNAB has given me back my future
      • Believer_in_YNAb
      • 4 wk ago
      • Reported - view

      Peter C Your loan must be handled by the same people who handle MUFG Union Bank payments.  They are always adding more interest, or escrow payments, than should be required, payments made not credited to loan balance.  Sorry you are locked into paying back crooks who see loans as a means to steal from everyone.    My primary goal is to pay off this loan as quickly as possible.  I don't like being robbed by the people I thought were helping me, for a price.  

      Like
  • As someone who is low-income, this is a serious blow. I was hopeful my family would be able to use this software (still in trial) to improve our financial situation, but $15/month or $100/yr, is a slap in the face to the low income earners in your community. You are going to alienate a lot of people who are trying to literally dig their way out of poverty. This price point is completely unrealistic, especially given how much everything else has gone up in price that we have to pay for. I logged in to the support forum for the first time to get help with something, and this is the first post I see. I am really saddened to see this update.

    Like 28
      • Max
      • YNAB Class of 2007
      • Max
      • 1 mth ago
      • 13
      • Reported - view

      Khaki Boat I couldn't agree with you more.  As a user that started out with YNAB during it's long-gone spreadsheet era, it appears to me that the company has lost it's way entirely.  The application has become more confusing and less focused on those who are less fortunate.  So many struggling people have been helped by YNAB, but now those who need it most will be unable to afford it.   I will be leaving YNAB for a spreadsheet.  I agree with many others that the price was already too high.

      Like 13
    • Max I may go back to my original ynab spreadsheet if I can find it...

      Like 2
      • Max
      • YNAB Class of 2007
      • Max
      • 1 mth ago
      • 2
      • Reported - view

      Maroon Keyboard I just got YNAB 4 to work on my Mac and the sync to the old iPhone app still works through Dropbox!  I also found the old spreadsheet version in my email and it still works fine.  I tried converting it to a Google Sheet, and that worked as well. 

      Like 2
    • Max I thought the mobile app wouldn't work anymore after some distant version of iOS? Hm. I haven't gotten around to seeing if I can go back to YNAB4 yet. I did find my key, though. That was fun... pfft.

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

      Pickle of the North I've been using it for a few days, and it seems to work just fine.  It is no longer available on the public Apple App Store list, however if you ever downloaded it from the App Store, it should still be available on your "Purchased" list for download.

      Like
    • Max Indeed it was there in the list, and I've redownloaded it. Need to install the desktop client now. I thik I was getting confused with the desktop, which didn't work anymore after the 32 to 64 bit change. But I see there's now a workaround for that. I really need to find the time to try this. I've spent all of my free moments in a quest for something new to replace YNAB without looking at YNAB4. It could very easily be all I need.

      Like 1
    • Pickle of the North I've been using the classic app and it's been working fine for me but I can't find my freaking ynab4 key, only the ynab3..  support hasn't been helpful either... 

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

      Tomato Griffin Have you tried: tried https://www.youneedabudget.com/ynab-classic-help/

      Like
    • mealmond yes. But it hasn't been any help and I did contact support but they haven't been much help finding my information but I know that I upgraded cuz I went from 3 to 4 and then from 4 to the subscription

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

      Tomato Griffin Sorry that did not help, when I changed I managed to get my serial code and emailed it to myself, I'm not sure of any other way of getting the code if YNAB will not help, other than checking if you could have saved it somewhere.

      Like
      • PhysicsGal
      • Nerdy female homo sapien
      • physicsgal
      • 1 mth ago
      • Reported - view

      mealmond Tomato Griffin 

      Man, I wish I had purchased YNAB4!!!!  I used YNAB3 to get out of debt in 2011, then  stopped using it at some  point and I would have been in a much better place if I had stuck with it and moved to YNAB4.  I always was a paid in full credit card user, but I was on the float and some months covering the bill was rough and I didn't build up an emergency fund until life taught me the value of it.

      I never managed to get the syncing with Dropbox to the phone app to work for me with YNAB3, have you managed to get it working?  But it's good to hear you can manage to get YNAB3 to work still.  How is it?  I haven't used it for years, do you think transitioning from nYNAB back to YNAB3 is going to be disappointing?  I guess that's another option for me, but I'm trying to remember how it worked and whether it's going to be worth the savings in subscription price.  Really, if I could get the syncing to work it might be worth it, I enter pretty much all my transactions on the app anyways.  Does it have scheduled transactions that you can set to repeat?  Other than not downloading transactions from the banks, what are the major features of nYNAB that are missing in YNAB3?  Does it have a reconcile feature?

      I really wish I had kept up budgeting and bought YNAB4.  So many  people seem to say it is a better product anyways, but I never tried it so I have no idea.

      Hey YNAB, if I owned YNAB3 is there any way I can use YNAB4?  I've always wanted to try it anyways.

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

      PhysicsGal I doubt you could use YNAB4, you could always try YNAB3 and see what you think. It seems odd using YNAB4 again and yes the app is not as good, it syncs ok though, and to be honest, it will probably be just fine. I am still trying Actual, that seems very good, but still deciding if I want to pay again or not.

      Like 2
  • Sorry but nearly doubling you price doesn't sit well.  I really like YNAB but I think I'll be creating an excel spreadsheet moving forward.

    Like 23
    • sagewall try actual—— been running it a few days and i like it a lot 

      Like 4
    • Blue Koala (9a03380df751) +1

      Like
  • My now very angry yellow YNAB category doesn't feel good, that's for sure. My renewal being immediately after the increase gives me a month to double the balance (goodbye legacy pricing, you will be missed). A little more advance notice would have been nice. I'm fortunate that it really won't make much of an impact on me, mostly because YNAB did help us get to the best financial spot we've ever been in. But it still feels bad with the timing falling the way it is.

    Like 14
    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 1 mth ago
    • 38
    • Reported - view

    You should have followed Rule 2 and given everyone a minimum of a full year to save up for the increase.

    Like 38
    • nolesrule I'm not sure how feasible it would be to wait a year if they need the additional revenue now (quite possible given how crazy inflation and increasing costs for things are) but I agree that one month of warning for some people (or just two to three for YNAB4 users who migrated quickly after launch) isn't great when one of the rules is to be prepared for expenses that don't hit frequently. This was not what I expected when I started my monthly budgeting session. 

      Like 2
    • Sky Blue Cartridge (ad611f05c5cc) 

      I've got to disagree with you, sorry.

      I very much doubt their costs have doubled, which is what this increase represents to long term customers.

      Some costs have increased certainly, but costs have increased for everyone, and I know I've not had a 100% payrise. Not many people have. And that's for those customers who have been around the longest. Those who have been the most loyal.

      More to the point though, this is a large price increase under even their newer model. 18% is *very* high. Heck, if my weekly grocery bill went up by 18% I would probably start looking at what I should cut back on, or if there's an alternate grocery store I could go to.

      Whilst costs have increased in many sectors for many organisations, this sort of increase is hugely unlikely. I will bet that any business whose suppliers hiked their prices up by 18% with no notice (or indeed, 100%) would be very quickly looking at alternate options.

      I still don't see anything that warrants this increase that includes a benefit for the customer. If its a case that the price rise is necessary to simply make sure that the lights stay on then it probably doesn't bode well for the future.

      Like 9
    • nolesrule I think the intent was for us to apply Rule 3. (Sarc)

      Like 1
    • JohnnyDiamond They took the gloves off for this one though.

      Like 1
    • Hot Pink Guitar I agree.  They may lose, not only a number of oldster YNABers, but some of the newbies for whom most of the recent changes were made, won't be able to afford the increase and may have to bow out, as well.

      Like 1
    • Sky Blue Cartridge (ad611f05c5cc) Cadet Blue Door

      Exactly. Disagree here too. I love how people throw things out: "crazy inflation", "increasing costs".

      Let's see ... well, we don't have inflation numbers for 2021 yet (which are on the rise). But the last 5 yrs, 2016-2021, the average inflation was 1.76% (https://www.usinflationcalculator.com/inflation/current-inflation-rates/). YNAB's 18% increase which we could say covers the last 5 yrs since the last increase, that would 3.6%/yr. So, yeah, just a little bit higher than "crazy inflation".  Also wish my salary were increasing 1.76%/yr.

      Let's not get started on the legacy users average "inflation" to continue their subscription.

      Like
    • JohnnyDiamond like me. 6-7 months ago when I was getting off the credit card float and paycheck cycle I would've hung around. Now I have mastered my budget and building wealth I can't justify spending more on something that isn't offering more.

      Like 2
      • MyraJ
      • Doyoureallyneedthat
      • 3 wk ago
      • Reported - view

      Cadet Blue Door According to Dun and Bradstreet they raked in $3.71 million.  I do not know what year this is from. https://www.dnb.com/business-directory/company-profiles.you_need_a_budget_llc.3777163c000261742d2d6df4a8c8ac78.html

      Like
    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 1 mth ago
    • 43
    • Reported - view

    From the FAQ:
    We haven’t raised our prices since 2017, so in order to continue improving our product and delivering white-glove support, our price needs to reflect the value we deliver.
     

    Shouldn't the value you deliver need to reflect your price point?

    You keep adding features, and when they launch they are half-baked (look at how the loan feature is only accurate for 1 very specific type of loan and won't work for anything else, or oft-request additional target types not materializing even though you actually did an update to goals, or the partial SFTF fix) with promises they will be enhanced in the future. Yet those enhancements never materialize. What makes you think YNAB is worth such a hefty price increase?

    The problem is you've created a captive audience because no other system does envelope budgeting as well as YNAB, so people just can't leave. So you are taking advantage of that.

    Like 43
      • Tobias
      • Toviathan
      • 1 mth ago
      • 26
      • Reported - view

      nolesrule I know I gave them a lot of leeway in the past because I felt I got the value out of my $50 and didn't feel especially pressed as long as nothing broke the core functionality of the app. This price increase burned through a lot of goodwill and I will certainly be less forgiving of missing or broken features going forward (reconcile on Android when???). If they want to charge big company money, I expect big company features and functionality.

      Like 26
      • Agent99
      • Working to Get Smart at budgeting, finances and life
      • Agent99.1
      • 1 mth ago
      • 9
      • Reported - view

      nolesrule I am still using YNAB4 but was willing to pay the $45/year to have a backup in case I could no longer use YNAB4 on my Mac or virtual Windows machine.   But doubling the cost for me is not worth it for a application I do not actively use.   So I will stay on YNAB4 until I can no longer do so then I'll just create an Excel spreadsheet.  From my brief forays in nYNAB (yes I still call it that) to test out new budget templates, I do not see something worth $100 a year.   When I look at my subscriptions there are only a couple I pay that much for (XM/Sirius for me and TWO OTHER family members) and Ancestry for my genealogy research.   

      This is sad.... 

      Like 9
      • Hannah
      • Account Manager
      • hannahsbudget
      • 1 mth ago
      • 14
      • Reported - view

      nolesrule not only that, but I feel like as their audience expands and more people use their service (meaning more people pay money) shouldn't it allow for them to still make good money without raising prices? 

      Maybe I'm looking at this wrong.. but again, YNAB is the only option for me especially since I'm in the middle of debt payoff, so I'm stuck having to pay whatever price they charge. 

      it's just honestly extremely upsetting when every penny is already going to try to dig out of debt, having to reallocate extra money to something I already thought had quite a hefty price tag.

      I'm conflicted, I really wish they hadn't made the decision to up their prices like this, and I also wish they had given more of a heads up, not just 30 days. 

      Like 14
      • Max
      • YNAB Class of 2007
      • Max
      • 1 mth ago
      • 5
      • Reported - view

      nolesrule I know how you feel.  After two years of bad advice from support, I still can't get the app to open the correct budget upon sign-in.  What exactly are we paying more for?  You can get the entire suite of Microsoft applications for what you will pay for one year of YNAB.

      Like 5
    • nolesrule And?

      They're a business.  The chummy, feel-good, we-care stuff is typical millennial marketing gloss over the basic reality that YNAB is in business to not just make a profit; but to maximize its profit.  (Or to grow YNAB's cash flow sufficiently to get bought by someone larger, who will promptly ruin YNAB forever.)

      What YNAB is specifically doing here, is what a good many other companies are doing - testing price sensitivity. 

      Consumers are hearing endless stories about meat / chicken / eggs / other necessities spiking in costs, and under cover of this, companies (like YNAB), whose primary product is *not* directly affected by inflation, are also jumping prices.

      Its the business equivalent of skateboarders drafting off the back of a bus.  What we have to decide is - are we ok with be taken for that ride, valuewise.  

      Like 7
      • 10SNE1
      • jagstyles
      • 1 mth ago
      • 16
      • Reported - view

      nolesrule Well said! I've followed many of your posts over the years and I have to say, you've been more than patient and reasonable with your expectations. I would argue that the vast majority of users share your thoughts and feelings. I'm now at a stage where I'm pretty much going to ditch YNAB. Yes, they do envelope budgeting the best, but they've simply sat on that for years without adding much in the way of tangible new benefits to their user base. 

      At some point, it becomes diminishing returns and I'm not about to continue to support a company that thought it was a good idea to trash 20% of its user base who were legacy users simply to get more revenue from them. If the % of legacy users is higher than that, all that tells me is that YNAB has not done a good enough job of attracting new users to pay for their software as a service.

      Like 16
    • 10SNE1 I would be curious to know what % of users are legacy users.

      I literally got an email this morning from the friend who introduced me to YNAB in 2008, asking me what I thought.  The increase from 45 > 90 per month is quite high - literally DOUBLED.  

      Like 3
    • WhoMovedMyCheese When I was new to YNAB, I specifically remember one of the guys who did the YouTube videos said that they are largely an educational company, and YNAB is how they "keep the lights on". I have no idea what other products or services they provide, but maybe YNAB is still the cash cow and it is being milked accordingly. I like to think the price increase is genuinely going toward its staff, but when my membership renewal comes up again, I'll have to weigh my options because life has become much more expensive in every single direction.

      Like
    • Slate Blue Cartridge Per year, not month.

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

      Purple Hammerhead Actually both. There's no difference. Divide the old yearly price by 12 and the new yearly price by 12 and it has doubled as well.

      Like
    • Slate Blue Cartridge far to much for this software…. i was ok at the 45 price because i dont need the help stuff anymore i dont use import ( doesnt work - disconnects regularly ) and yea that loan tool —- what is the point? freely available online why bother adding it? 

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

      Blue Koala (9a03380df751) Exactly!   There are so many mortgage, car and loan calculators as well as the corresponding amortization charts out there on the internet.  Why do we need to muck up the budget with it, especially when there are so many types of loans out there and this feature (which took a long time to be released) is so narrow?  They should focus on the basics first, like getting direct import out to the majority of their users (since, without a tiered service, they are paying for it).  It has been 6 years and those outside the US still don't have that basic feature.  Other's have done it, charging less.  Even Ramsey only charges those that use it, all be it, a lot of money. 

      Like 3
  • I'm not a legacy customer.  Joined in May 2020, so it's not too big a blow and I find tremendous value in the product.  The biggest blow for me, as an evangelist of YNAB, it not only convincing friends/family that budgeting is important or that YNAB does it the best,  it's the $83/year, that is now $100/year or $15/month.  

    Like 6
    • WhoMovedMyCheese CarrJar $15 a month is tough to defend.  YNAB is charging its most cash poor customers 180% of the annual fee to pay monthly?  That's a heck of an interest rate for deferred payments, and...

      Oh Yeah.  As to my point above - they're a business.  Their job is to maximize profit. Expecting different behavior is like the frog expecting the scorpion not to sting.

      Like 7
    • CarrJar Me too! for me it goes from 84.99 to 99.99 however I hope this increase is not one of many as I will also have a draw a line somwhere. I still see the value as the price hit for me isn't as bad as for many others.

      Like 2
    • CarrJar Yeah I have been singing YNAB's praises but to tell people it's $15 a month (more expensive than Netflix) people just go "nah" especially when they're trying to save money.

      Like 4
      • Stepan
      • stepan
      • 1 mth ago
      • Reported - view

      Turquoise Piano  This is awesome comparison that is is more expensive than Netflix

      Like
    • until the next price increase……. i wonder, what is their end goal price wise? they are really pushing it for a budget app now. i am starting to think this is about positioning for a sale…… 

      Like 1
    • Blue Koala (9a03380df751) My thoughts too.

      Like
  • As a YNAB4 user grudgingly paying $45 this will probably push me to cancel. I mean the monthly price is more than Netflix or Amazon Prime. Am I really getting that much on-going value from YNAB? Ehhhh... Not clear that I am. 

    Like 22
      • Agent99
      • Working to Get Smart at budgeting, finances and life
      • Agent99.1
      • 1 mth ago
      • 2
      • Reported - view

      Salmon Trumpet (8c7c2e3156cb) Exactly!

      Like 2
    • Salmon Trumpet (8c7c2e3156cb) I'm in the same boat. I'm in disbelief that they are really pushing through essentially a 100% increase in price. No way am I going to pay that. I've used YNAB nearly daily for over 9 years. There is no way this software is worth $100/year.

      Like 9
      • Max
      • YNAB Class of 2007
      • Max
      • 1 mth ago
      • 4
      • Reported - view

      Salmon Trumpet (8c7c2e3156cb) Not worth it at all.  Back to spreadsheets for me.

      Like 4
  • Ha, it's been real ynab. Peace. 

    Like 11
  • First time poster - I too am on the Legacy Plan at $45.00/year and woke up to this new announcement...it feels like a big slap in the face to not only lose Legacy but to also suddenly get a 50% price increase.  Not cool. 

    Like 24
    • Ivory Falafel You're actually getting a 100% price increase.....

      Like 13
    • Sky Blue Network Ugh! Yes...that's right!! (coffee hasn't kicked in yet). 

      Like 2
    • Ivory Falafel Actually, if you decide to pay monthly instead of annually, you're getting a 400% increase (180 / 45)

      Like 4
      • Beach Bum
      • Ex-Legacy YNAB'er, looking for new Budget Beach
      • Tan_Ink.9
      • 1 mth ago
      • Reported - view

      Ivory Falafel 

      Like
  • I woke up today to 2 interesting developments: someone used my credit card to make 2 unauthorized purchases and YNAB decided to increase my yearly subscription price 100% (from $45 to $90). Both are unacceptable, both create a problem,  both will be relatively easy to solve. Goodbye, YNAB, it's been fun almost 10 years. 

    Like 16
  • As a power user, I don't require 'white-glove support', and I'm also happy to part with direct import to save money. If you could offer a lower tier subscription to just the core product (with much lower "SLAs" for this tier) without direct import, I would consider staying on. Otherwise, this jump is too much for this long-term YNAB user, and I'll be moving on.

    Like 36
      • sdaniro
      • sdaniro
      • 1 mth ago
      • 11
      • Reported - view

      Jon Agree, I am non-US, so I cannot use the direct import. I would understand a price increase, but doubling the price makes me think they have some financial issues. Maybe they are not using YNAB... :)

      Like 11
    • sdaniro Yes, I am a bit concerned about that as well. Especially since they had to do it so quickly. I admire the YNAB4  subscribers who jumped on and made the transition early on. I thank you because I them I am on now. I didn't jump on until there was relative stability and a lot of the kinks were ironed out. I am happy to pay a higher price for that. 
      However, it seems either the case of being deaf to how this comes across to legacy users by popping up a short terse notice on Monday morning  of a 100% increase . 

      This does not seem ideal. So it must be necessary? I sure hope YNAB is ok financially. It's a one of a kind awesome program. Every bit worth it to me. But I can understand that this feels like a kick in the gut. I wish could have somehow come across differently. 

      Like 5
      • Seabass
      • Seabass
      • 1 mth ago
      • 4
      • Reported - view

      Jon Unfortunately, they can't do a tiered system as they can't provide all the fancy (but in my opinion unnecessary for budgeting) services to those outside of the US and Canada.  So all those folks in Europe, or  around the world, would automatically be put into the lower, cheap tier and YNAB would lose revenue. 

      Like 4
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 5
      • Reported - view

      Seabass In other words, they're app isn't built properly... As we all knew from the beginning.

      Like 5
      • Seabass
      • Seabass
      • 1 mth ago
      • 9
      • Reported - view

      Pink Major It's bloated for us who basically want to just budget.  And all of us have to pay for that bloat.

      Like 9
      • Jon
      • Cornflower_Blue_Yearling.4
      • 1 mth ago
      • 7
      • Reported - view

      Seabass - Yeah, and non-US users subsidizing the US user's experience never quite sat right with me either - if I wasn't getting direct import, I would have switched to a non-SAAS budget app when the switch from YNAB4 to nYNAB happened. I feel sorry for the non-US users who were too late to get access to YNAB4.

      Like 7
    • Jon I agree.  Direct import is largely useless.  It breaks regularly.  With investment accounts, it imports 1x and that's it.  And it works against mindfulness, in allowing you to avoid data entry, and feeling the pain of every misspent dollar with every keystroke ($48 on Krispy Kremes this week.  KRISPY KREMES??   Why not just budgeting for the heart surgeon along with it?)

      Like 3
    • Jon totally agree with this. I’m in the UK, so the direct import features are useless to me. I don’t need or want to pay for features like this that I can’t use, and offering a basic package at an affordable price without things like direct import would make the difference between losing me as a customer entirely (100% increase in the cost of a service is outrageous), and getting to keep me as a customer, still paying them some money, and still recommending the app and service to others. I would think these things are all worth something and shouldn’t just be thrown away.

      Like 1
  • If I'm being kicked off the $45/year plan and moved to the $89.09/year plan, it won't kill me.  It is $3.75/month now and quite simple to double that budget allotment.

    I think those who are complaining about the "drastic" price increase are not yet using YNAB as intended...

    Like 2
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • 26
      • Reported - view

      TeamTJ I think those who are complaining about the price increase understand the value of money, which is something that is learned through use of YNAB. For someone who has been using YNAB at the original price point, this equates to 12% increase per year since launch all at once. That's a lot.

      Like 26
      • TeamTJ
      • TeamTJ
      • 1 mth ago
      • 1
      • Reported - view

      nolesrule I understand the value of money.  I also understand that YNAB has helped me TREMENDOUSLY over the years to tame my money problems.

      Nobody likes price increases, but often times I feel like the people in my life who complain about price increases are the same people who don't bat an eye at going to Starbucks every morning or paying for door dash to bring them their food.

      $3.75/month is a small drop in the bucket.  The percentage increase might be large, but the dollar increase is not.

      Like 1
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • 19
      • Reported - view

      TeamTJ Well, as an alternative, they could have done incremental increases for legacy users. or maybe they could actually deliver features that are well thought out, or maybe they could implement common feature requests, or maybe they could fix bugs that are reported in reasonable time frames. They haven't earned the money they are asking for.

      Like 19
      • Jon
      • Cornflower_Blue_Yearling.4
      • 1 mth ago
      • 14
      • Reported - view

      TeamTJ - I would be more willing to pay a price increase if it was clear what I was paying for. This seems more like a "an MBA determined that this price increase will make us more money than we'll lose" which doesn't sit well with me.

      Like 14
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 26
      • Reported - view

      TeamTJ That's kind of where I'm at as well.  I'm not going to go broke because of this, but it does generate a fair amount of ill will.  I've been a customer since 2012 starting on YNAB3 and have encouraged a number of friends to become customers as well.  Over the years I feel that YNAB has become far less customer focused to the point of downright condescending in some cases (I'm never going to stop talking about checking accounts with no check number field).  I've had my comments deleted because they didn't like what I said and had enhancements forced upon me that I don't see as an enhancement (I REALLY don't need pending items imported but have just learned to live with it).  The reality is that there isn't another product that does what YNAB does - and YNAB knows it.  So I'm going to adjust my budget accordingly and maybe cancel a streaming subscription service.  Probably need to do that anyway.

      I once worked for an IT managed services company who had  customers that really wanted to move their business elsewhere but had contractual or technical limitations that prevented them from doing so.  They were referred to as hostage customers.  Overall I love the YNAB product but sometimes do feel a bit captive to it.

      Like 26
      • TeamTJ
      • TeamTJ
      • 1 mth ago
      • 2
      • Reported - view

      Jon That's a fair statement...but as someone working on their MBA, should I be offended?  :-)

      Like 2
    • nolesrule Well, I always said if the price got a hike, I'd seriously consider making my own thing. I guess it's time. I'll just tally up how many hours I put into building it, and know that I'm essentially paying myself $100/x per hour.

      But really, what would I be paying for? 

      I don't want direct import. I don't want this odd loan idea. I don't want receipt scanning.  I don't need support to teach me math or walk me through what the getting started documents used to teach (before they were overhauled). 

      I do want a budget. The many "features" that I would have thought would be prioritized as part of making the budget optimized still are incomplete or MIA, as you said. SFTF, reimbursements, breaking the paycheck/budget cycle (INM), goals/targets of useful types to mitigate separate calculations, a true budget template, etc, etc. They all require workarounds.

      Since those things aren't here, why should I pay extra for the chance that they might appear sometime? Or worse, the chance that something important disappears because of inexplicable reasons.

      Luckily, I do have some time to determine if I can make this viably on my own. However, I really can't see paying $100+ per year, forever. Even doing that for a short time will be done with a bad taste in the mouth.

      A tiered approach is something I would consider, though. Especially if it's cafeteria style. Such an approach may help YNAB actually realize what provides people value. 

      And even if the number of highly-paid people who will shell out the money makes up for the lost customer base, I think YNAB is doing a disservice to the more frugal-minded people. 

      YNAB = You Need A Budget.

      Not bells and whistles. 

      YNABUYF

      Like 12
      • Jon
      • Cornflower_Blue_Yearling.4
      • 1 mth ago
      • 7
      • Reported - view

      TeamTJ - I'll let you decide - have you bought into the ideology of maximizing short term profits at the expense of not just long term profits but also integrity? The ideology that lead us into a non-resilient JIT system, and is literally destroying the habitability of the planet? If so, they yes, please be offended. If not, then no need.

      Like 7
      • TeamTJ
      • TeamTJ
      • 1 mth ago
      • 1
      • Reported - view

      Jon Not offended, then.

      I'm just doing it because work is paying for it. :-)

      Like 1
    • TeamTJ 
      Well, this complainer is complaining because:
       

      1. We're not all paid in USD.

      2. For a lot of us who are not paid in USD, we also can't access all the features, so we're going to be paying full price for a (much) less-than-full-featured product.

      3. YNAB made us a promise that our price was locked in for LIFE if we transitioned from their older product by a certain date.

      4. I wouldn't stand for it if any other of my service providers doubled my cost without adding any value to what I was paying for.

      Like 20
      • Herman
      • herman
      • 1 mth ago
      • 9
      • Reported - view

      TeamTJ I already got the value of taming my finances.  Not sure I need to continue to pay them for that.  They won't save me any more money going forward so probably won't renew.  I don't owe them any more $ for what they did in the past. 

      Like 9
      • Colin_G
      • Colin_G
      • 1 mth ago
      • 8
      • Reported - view

      Budget_NC Good Budget does a reasonable job. Might not be as glitzy as ynab but it does the job for $60 per annum (or $7 per month). Think I will try it again - I used it when ynab killed off the desktop app but I came back as I thought the early adopter deal was for life (ie no increases).

      Like 8
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 2
      • Reported - view

      Colin_G Thanks for the reminder.  I've looked at Good Budget and just don't think it's a viable option.  My wife is very comfortable with YNAB as well so there's more than just me to consider.  I'll live with the increase but remain disappointed with the manner in which this was done.  I just wish YNAB had more respect for their customer base, but I guess they're not unique in that regard.

      Like 2
      • Emma Catherine
      • Civil engineer getting back on track
      • emmacatherine
      • 1 mth ago
      • 11
      • Reported - view

      Colin_G Someone else suggested "Actual Budget" and it's veeeery similar to YNAB. And it's only $4/month

      Like 11
    • nolesrule Agree.  Having delivered very unevenly over the past 4 years on real improvement, justifying this in terms of "continuing to bring you" what YNAB hasn't yet (real reporting? ever?) is just dumb.

      They'd have been better off saying we need the money because the cash flow targets set by our angel investors are short.

      Like 6
      • Seabass
      • Seabass
      • 1 mth ago
      • 4
      • Reported - view

      WhoMovedMyCheese This price increase does seem so randomly quick and they knew it would set off a storm, most especially for the legacy folks.  Maybe they haven't hit the targets and it is an issue for investors.  Ultimately, they are counting on the comfort level of the users to complain but to just stay and pay, just like the local gym.

      Like 4
      • pgauntlett
      • pgauntlett
      • 1 mth ago
      • 3
      • Reported - view

      Emma Catherine Thumbs up for Actual from me. Definitely my favourite alternative to YNAB. Good budget feels really clunky by comparison 

      Like 3
      • Orchid Python
      • YNAB since 2005
      • Orchid_Python.9
      • 1 mth ago
      • 2
      • Reported - view

      TeamTJ I sort of get what you mean, I've been using YNAB since 2005 - I stayed with it through loyalty - however the value of YNAB isn't worth that to me, as now its just a suped up spending logger as I know how much is in each budget just by familiarity of how YNAB works. I'm not sure I'll get anymore out of it than a spreadsheet, so I'm off to pastures new. I'm not knocking YNAB - it definitely got me financially aware

      Like 2
      • Gold Packet
      • Gold_Packet.12
      • 1 mth ago
      • 5
      • Reported - view

      TeamTJ The main problem is that nothing justify the pricepoint. The software itself is not the SpaceX AI automated landing program, its simple save one line, display one line. The cost running this service for 1 user is like cents/ month. A mobile phone fast enough to server thousands of YNAB users.

      There are also not so big developments that would need like a group of 20-30 developer to get paid.

      100$ in most eastern european county is more than 1/10 of their monthly income, you can't tell anybody to pay this amount to help and maybe learn how to budget.

      Like 5
    • Budget_NC eh, I'll go to a spreadsheet budget if I can't find an app I like. I realize that's not an option for everyone but my finances are pretty simple. I'd been paying $5/month mostly because I never got around to upgrading to annual. That would triple for me. So I upgraded to annual before the increase kicks in, which will give me a year at a lower price. I intend to use that time to find an alternative,  whether i go back to ynab4, find another app, or just work out a spreadsheet system.  Not because the higher price is unaffordable, but because of that ill will you mentioned. The increase is too drastic and with no real added value to justify it. 

      Like 4
    • Emma Catherine Just tested Actual Budget yesterday due to this YNAB announcement. Input my starting account balances and dollars in the same budget categories, voila, perfect!! Only thing missing for me is direct import which is on the website as the next feature. Either way, I'm perfectly fine with manually entering transactions to save $50.99/yr. Also like the ability to see multiple months of budget (depending on screen size) rather clicking back and forth between months in YNAB. I also don't use half of the "features" in YNAB so there is not benefit to the price increase for. I just need a simple tool to track my money, and Actual Budget seems to be a great option for me.

      Like 6
    • nolesrule agreed….. 

      Like 1
    • Sky Blue Tape (mmille)  

      This right here. I've been evangelizing YNAB to everyone willing to listen for years now.

      Even though as a non-US user, I have zero use for many features, I've stuck with YNAB because I loved the company and because I had alot of respect for Jesse.  This just felt like family. 

      What a huge letdown.  I for one will not be accepting your 100% price increase.

      Like 3
      • Colin_G
      • Colin_G
      • 3 wk ago
      • 1
      • Reported - view

      Steel Blue Griffin I too am playing with it and it does kind of feel right.....but having no reports is a bit of a problem. I appreciate one can output data to a spreadsheet and that would be fine if it covered all data. At present it does not however. It can be done at account level but not with categories. I see categories as more important and accounts are covered by bank statements anyway. That and goals would certainly sell it to me.

      Like 1
    • Colin_G  Have you tried using the Filter tool in Actual? If I go to All Accounts view and click on Filter I can set a variety of criteria. For example, for UK tax reporting, if I was searching for joint account interest received:

      1) Date is greater than or equals  6 April 2021 and

      2) Date is less than or equals 5 April 2022 and

      3) Category is (say) Interest and/or

      4) Note contains “Interest (Jt)

      It works well for me and then I just do a screenshot of the result.

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

      pgauntlett Found that but a screen shot is not enough. I need to manipulate data in

      in a spreadsheet for bespoke reporting requirements.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G What can you not accomplish in a spreadsheet? What data do you need to manipulate? Are you using Excel or something else?

      Like
    • Colin_G I can understand that. I raised it with developer some months back and he has consistently said that Custom Reports/Data extraction  are one of his major objectives and that the foundational work recently completed is primarily to facilitate this. Having said that, his priorities may now be skewed by the competing requests of many new users onboarding!

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

      Habanero Salsa I can't accomplish anything as I cannot export the data. That is the point.

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

      pgauntlett And that is the problem. Without a fixed direction the app is to an extent doubtful. As for that filter, it does not work; when filtering on category it includes all of a split even if part of the split does not relate to the category being filtered. This is very much early beta software.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G I can export all my accounts, open them in Excel, and filter them by category or any other column.

      Edit: For that matter, I can query the database directly and get what I want, though I get that's not exactly user friendly.

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

      Habanero Salsa But I am not talking about accounts, I am talking about categories.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G The transactions in those accounts contain categories. I can find out anything about the categories in those transactions that I want to know once the accounts are exported. I just do the manipulation in Excel after the export.

      Not sure why anyone would want to export just categories, without transactions, which are contained in the account, but I'm sure you have your reasons.

      Like
    • Colin_G Habanero Salsa I think the key difference here is (as Colin_G intimates) that the export to CSV is on an individual accounts basis. It is not yet available from the All accounts screen.

      Like
    • Colin_G Agreed about the splits issue - for my key tax data I have set up scheduled transactions (avoiding any splits) with category and notes self populating.  So I can get what I need - any other reprting for me is a bonus for now.


      On a more positive note, what Software have you tracked down as yet that might fulfil more of your wish list? Is the reporting any better now in Good Budget? It is a while since I looked.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      pgauntlett Yeah, that's true. And it's not super-perfect to have to click in the upper left hand corner of the spreadsheet, hit CTRL+A, CTRL+C and paste to merge multiple accounts into one spreadsheet, but it's doable.

      The underlying data is waaaaay more accessible than it ever was in YNAB4 or nYNAB, imo.

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

      Habanero Salsa  There is a category, it has the data already filtered from all accounts. Why should I have or want to mess around with a spreadsheet at separate account level. That is just a ludicrous workaround.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      pgauntlett There's an API for accessing the data and one of the bits of functionality is to pull out the subtransactions in splits and not the parents. I haven't used it yet, but it looks pretty slick.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G You wrote, "Found that but a screen shot is not enough. I need to manipulate data in 

      in a spreadsheet for bespoke reporting requirements."

      I took that to mean that a screenshot wasn't good enough because you needed to manipulate the data. 

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

      pgauntlett The reporting in Goodbudget is far more flexible. I am running it beside Actual and it really is far more complete, although the multi month view is not available of course. That is a nice to have but it is certainly not essential to me. I am certainly not going to pay for beta software with no real road map and a part time dev - I would rather stick with ynab than that.

      Habanero Salsa I am not prepared to go to those lengths and pay for the software. Sorry

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • 1
      • Reported - view

      Colin_G You don't have to be sorry. If having to filter in Excel rather than exporting the filtered data is a ludicrous workaround for you, of course you shouldn't do it.

      Like 1
    • Colin_G I may take a fresh look at Goodbudget - thankyou.


      The developer of Actual has been put on the spot by YNAB's PR disaster. He has promised on Slack to create a road map very soon but I don't think he should feel pressured into coming up with something at very short notice that he might then potentially fall short of.

      I believe Actual has massive potential and  I am very confident that James has spent the past months well in building a very firm foundation. The question of course now is whether he has the time resources to scale that fairly quickly.

      I  will leave the discussion at this point and thank you both very much for your insights.

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

      Habanero Salsa I would have to filter for each account - that is ludicrous. The budget is a stand alone entity that all accounts feed in to. Therefore I want an overview out of the budget, I do not expect to have to build one piece by piece. Some of my budgets are for charities and I have to provide meaningful reports to the directors and the charity commission.

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

      pgauntlett I agree with that sentiment 100%. It would be great to see Actual make the grade.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G No, you could combine all accounts in one spreadsheet and filter that. Again, though, if you think that's ludicrous, of course you shouldn't do it.

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

      Habanero Salsa As I said, ludicrous. I buy software to do that for me. Why on earth would I want to do it myself. I do not pay so I can run workarounds. So yes ludicrous and you are right I will not do it or pay for something that drives me that way. Now goodbye.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      Colin_G Yeah, sounds like the way for you to go. Not sure why the belligerence, but you do you.

      Like
    • Habanero Salsa How do you export your accounts to Excel?

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      B's Gambit On the far right side of the header, there's a more icon (...). Click it and one of the options is Export. 

      Like
    • Habanero Salsa Hmm, I don't have (...), maybe because I'm not a paid subscriber yet. 

      Like
    • B's Gambit The trial is fully featured, and you'll find the ability to export in the web app. In the web app, click on the name of your budget in the top left and then on Export Budget.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      B's Gambit I'm not a paid subscriber yet, either.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      B's Gambit Maybe you’re on Windows? I don’t know if Windows looks the same, yet, but it should be there somewhere.

      Like
    • Habanero Salsa So weird! I've tried the desktop app and the web and both of mine look the same, but not like yours. And, I am using Safari on an iMac -Monterey.

      Like
    • I don't know how much the developer of Actual is making for his regular job but I would probably quit my job if I was making $25k per month just by having 5k paying subscribers...

      Like 1
    • B's Gambit Same question! I downloaded my data file since Im cancelling my subscription but how do I access it??? with excel or the Mac equivalent???? I likely wont need it but nice to have just in case

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

      B's Gambit Stupid question probably, but do you have data entered?  You won't get the "..." for an empty budget.

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

      Blue Koala (9a03380df751) You mean the 2 files that you get from an export  from nYNAB?  They are "Tab delimited" so, yeah, excel can open them.  For some weird reason, it saves them as TSV(T for Tabs) instead of csv.  You can safely rename to csv if you want.

      Like
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 3 wk ago
      • Reported - view

      B's Gambit It won’t work if it’s empty and it won’t work if you’re in the All Accounts view. Only the individual accounts have the option, for some reason. 

      Like
    • kinwolf yes, I have data entered. I just realized as Habanero Salsa  pointed out (Thank you) that my screen shot was in All Accounts. When I went to an individual account I found (...) and was able to see the export link. 

      Like
    • Blue Koala (9a03380df751) I am not a computer person at all, if you are asking how you get YNAB files to Actual, you do not want me to help! A very nice person from Slack helped me. I could send you what they told me to do, but I cannot answer any questions.

      If you are asking where your YNAB files go when you export them  - mine go to my download folder and automatically open in Excel.

      Like 1
    • kinwolf - thanks, Ill try that.  I have a Mac but generally numbers does pretty much the same thing as excel (I hope) I really dont want to lose all the old info it just never occurred to me since YNAB had promised the fixed price, I was just planning to use it forever but things change. 

      Like
    • B's Gambit thanks --- I really dont need to move my YNAB into actual, I made a brand new start there (why not? ) seemed like a good time to rearrange categories and all that and my sub. to YNAB is good until April 1st so I will have 3+ months of data already. I exported the older historic budget files from YNAB to downloads and just wanted to know how to look at the old account data mostly the registers if I need them. 

      Like 1
  • I'm a legacy customer at $45/year. This news of a 100% price increase is an insult to legacy users. I'll need to evaluate if I'm sticking with YNAB. Its good software but a price hike of 100% doesn't sit well with me.

    Like 30
    • Alaric Agreed. My understanding was that the legacy price was lifetime, and to suddenly hear that it isn't is beyond disappointing. The reason we're legacy is that we've been using YNAB for 10 years or more, and we purchased it when it was a standalone single-purchase item, and then were told we had to switch to using a web version and keep paying for the thing we already bought, but that it would be okay because we'd get this fancy price forever. But now it's oh no wait not forever just until YNAB can't or doesn't feel like it anymore? That's really upsetting. I have been on the YNAB bandwagon for a decade. I've told anyone who would listen what an amazing program and app it is. I was grumpy when it went from "pay this amount once" to "pay a yearly fee forever" but I rolled with it. And now my subscription that I had resigned to paying annually for, you know, ever, is being doubled.

      It's frankly just plain hurtful.

      As @nolesrule mentions, incremental increases would have at least been a softer blow. 

      Like 19
    • Turquoise T-Rex When we last increased subscription prices over four years ago, we shared that we couldn’t guarantee our original price forever, but that we'd communicate any price changes. I understand that this is a significant jump for those with the legacy rate. Thank you for sharing your feedback.

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

      Nicole My renewal is in January. If I decided to cancel my subscription, do I still have access until January? Trying to see if I can move back to the old standalone YNAB. I don't need all the features in the nYNAB.  

      Like 2
    • Nicole I'm sure y'all did, but of course I don't remember a note about a price increase sent four years ago...because I probably ignored it, thinking "I was told my legacy price is a forever price so this doesn't apply to me." 

      I appreciate that decisions must be made to keep a thing going (and I appreciate your work, Nicole  so please don't think this is to you personally - I appreciate so many of the people that make YNAB go and who provide customer service on forums), but these kinds of changes do make me feel like, as someone said above, a hostage customer. And that's a crappy feeling. I mean, *of course* I'm going to stay with YNAB and absorb this, and because YNAB has helped me so much, I can afford to, and because it would be more costly and an enormous investment of my time to try to figure out how to do what YNAB does on my own without the app. But this is the second time YNAB has made me feel like this, and it's hurtful--it feels like the rug has been yanked out from under a promise...whether or not you can technically point to some four-year-old memo that says it isn't. And I wonder when the point will be for me when it *will* be more worth my time and money to figure out how to do this on a spreadsheet somewhere instead. That's all.

      Like 14
      • roogy
      • roogy
      • 1 mth ago
      • 44
      • Reported - view

      Nicole Here's what I have from that email in 2017 (I still have it) - 

      But the pricing change will not affect you if you already have a YNAB account; you are grandfathered in with the existing price. 

      That's not stating we're grandfathered in to an existing discount, but a price; and I'm not the only one with that understanding. I too will seriously be evaluating my way forwards here. I've recommended YNAB many times over the (many) years and have learned a lot - but it may be time to part ways and find another approach. I'm not in the US so have never had the direct import "feature". 

      Like 44
    • Nicole It's double the price, Nicole.  That's asinine.  When was the last time you didn't look for an alternative when any price doubled?

      Like 12
    • Alaric If you decide to cancel, you will have access through the end of your subscription period in January. Here is how you can export your data. For specific questions concerning your account status, you can contact our support team here.

      Like 1
      • Stepan
      • stepan
      • 1 mth ago
      • 8
      • Reported - view

      roogy Yes, I have the same understanding. Would be good if more people could produce the evidence from the 45 USD price lock-in

      Like 8
    • Turquoise T-Rex Not taken that way at all! Thank you for keeping our Forum team here in mind. ❤️

      Like 1
    • roogy The email was referencing the last pricing change in 2017 from $50 to $83.99. At that point, we were able to extend legacy pricing to our existing users while new users paid $84 per year. 

      With this adjustment, we’re bringing everyone to the same subscription price, and the current pricing from $83.99 to $98.99/annually.

      Those with a 10% lifetime discount for being a YNAB 4 user will keep it. We appreciate you sharing your thoughts and for recommending YNAB over the years. I understand if these changes impact your decision to continue. 

      Like 1
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 1 mth ago
      • 23
      • Reported - view

      Nicole What does “grandfathered in with the existing price” mean you to y’all at YNAB? This isn’t an honest way to do business. 

      Like 23
    • Nicole Looks like you indeed did promise a lifetime loved in at $45. https://mobile.twitter.com/Mcheek6/status/1455209703496163341

      Like 15
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 1 mth ago
      • 9
      • Reported - view

      Spring Unicorn I guess they are altering the deal and we should pray they don’t alter it any further. 

      Like 9
      • DosBoss57
      • Sales Manager
      • Sky_Blue_Drum.14
      • 1 mth ago
      • Reported - view

      Nicole 10% lifetime should be 10% lifetime across the board....plain and simple....I don't think I need to elaborate on that point....it's very clear

      Like
    • Turquoise T-Rex I've lost my enthusiasm as a YNAB evangelist, that's for sure. I'll continue paying for the subscription until another product comes along, and it will come along. But I can't be excited to tell someone to sign up for a $14.99/month subscription based budgeting app. I just can't do that. And that's a bummer because it's an awesome app. Just not that awesome.

      Like 8
    • Nicole Yeah, I would notapologize for the legacy rate.  People smart enough to apply the principles and use YNAB productively could not have rationally believe the price was going to stay at 45 forever. 

      Like 2
      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 1 mth ago
      • 11
      • Reported - view

      WhoMovedMyCheese That's what they were told. I don't think "you messed up, you trusted us" is a strong argument, morally or legally.

      Like 11
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 11
      • Reported - view

      WhoMovedMyCheese I assumed our legacy price would increase over time generally according to the rate increase for new subs. Not 100%. 

      Like 11
    • Annieland THIS.

      Like 3
      • katsmeow
      • katsmeow
      • 1 mth ago
      • 13
      • Reported - view

      Turquoise T-Rex Exactly.  I didn't pay attention to a price increase 4 years ago because I new I had $45 a year locked in forever.

      I remember when the option came to get YNAB online rather than just keep YNAB4 (which I had already paid for).  At the time YNAB4 was working fine for me and I overall preferred it.  But I knew that I either had to take the $45 lifetime THEN or forego it forever.  I decided to take it.  For awhile I used both YNAB4 and nYNAB but eventually dropped YNAB4.  The point is that I would not have been paying $45 a year all this time if I didn't feel I was locking in $45 a year forever.  A mere 10% discount would not have been enough.

      Like 13
      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 1 mth ago
      • 4
      • Reported - view

      katsmeow Absolutely. To my mind YNAB4 is still the superior product too.

      Like 4
    • Nicole If you promise a lifelong rate to convince me to changing to a subscription-based service then I expect that I can take those words for granted and not communicating a few years later that you aren't sure anymore wether you can guarantee that promise any longer. 

      And after all we are not in promise land, it is business and contracts and if we would be in the same country I would consider filing a lawsuit to get what I was told to get for my money.


      But this is not worth my time, there are enough alternatives on the market and many of them enhanced budgeting functionality over the last years.

      Sure I will have some adjustments to how I was used to budget. But that was the same case with other things that YNAB didn't offer.

      Like 4
    • Turquoise T-Rex Spot on

      Like
      • DosBoss57
      • Sales Manager
      • Sky_Blue_Drum.14
      • 1 mth ago
      • 1
      • Reported - view

      Nicole "Those with a 10% lifetime discount for being a YNAB 4 user will keep it. "

      YNAB lied about the 45 dollar price. Why would I believe this BS? Here's the thing....I can adapt to anything and finding another software to suit my needs will be a cinch. And if it isn't, I am sure I'll find something that will work for me...even if it costs more. I think I can survive without YNAB. My problem is that my subscription runs out next September but if they offer a pro-rated refund, I'm outta here!!!! The good thing is that this gives me plenty of time to find a product that suits me....

      Like 1
    • DosBoss57 It looks like they still have the delete your account and get refunded option. But you have to actually delete, rather than just cancel the subscription.

      Like
    • roogy I've looked out the same email. I asked a follow up question as to whether prices will increase.

      With that said, we aren’t guaranteeing that price forever but we take pricing changes very seriously—we know how much they impact you! We won’t make any changes to your price without careful consideration and lots of upfront communication. After all, we want you to be prepared (and budgeted for) those upcoming expenses! If there are any plans to change the price you pay, you’ll be the first to know!

      I would suggest that they missed the and lots of upfront communication part.

      Like 10
      • RuliHellion
      • Spring_Green_Vacuum.20
      • 1 mth ago
      • 1
      • Reported - view

      Cadet Blue Door Nicole

      Upfront communication?? More like radio silence from company since announcing a change that  gives basically no time to adjust savings goals to accommodate. 

      Unbelievable that you all are alienating your most loyal long term customers with a sudden 100% price hike!

      Should have AT LEAST 6 month transition window. Really hope you all back down and reconsider how this is implemented cuz from what I see you are hemorrhaging subscriptions.  

      Like 1
    • RuliHellion I'm not expecting them to back down, or to even change their mind to lessen the rise over a longer period. A 100% price increase would still be a 100% price increase, be it in one month, six, or twelve.

      I've said elsewhere that I've only recently rejoined. Its been less than a month. I'm not exactly chuffed with the price increase they're telling us about no matter what way you cut it.

      When I rejoined I was going to be looking at what has changed or improved over the past year or two, and honestly I don't really see that much has.

      The SaaS model is supposed to allow for continued investment and development, but it really doesn't look all that different to me. To the increase the price as they have, and to not say anything along the lines of "the increase is to allow for funding X, Y, and Z which we think you're going to love!" then it might not feel so uncomfortable. It would still not be *nice* but then at least I would be able to weigh up if the benefits were worth it.

      Instead there's been radio silence. No reason for the price rise, and nothing being presented as what benefits there would be for those who are paying for it.

      So far I've only seen one actually helpful message from YNAB, and that was where to find the delete account option and request a refund.

      Like 5
      • MXMOM
      • MXMOM
      • 1 mth ago
      • 1
      • Reported - view

      Annieland and for those of us in Canada, the pricing will be + exchange of 30% plus GST/HST which ranges from 5% to 15% depending on which province you are in. Here in Ontario it is 13% tax. 

      Like 1
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 6
      • Reported - view

      MXMOM My heart seriously hurts for people in other countries, especially developing world.  I actually brought up over dinner last night hearing people talk about what it's now going to cost them being pretty much their entire grocery budget.  I was trying to explain to my family how far-reaching all of this is and how multi-layered (they know if Mom is having YNAB issues ranting is to be expected).  Barely anyone here is complaining about spending an extra $20-45.  It's so much bigger than that and I'm dismayed that the powers-that-be obviously gave no consideration to any of it.

      Like 6
      • Bad Mister Frosty
      • Clayfighter Champion
      • Navy_Blue_Mixer.15
      • 1 mth ago
      • Reported - view

      DosBoss57 You can purchase a gift subscription for yourself at the current annual price and have it tacked on when your sub runs out next September.

      Like
      • Bad Mister Frosty
      • Clayfighter Champion
      • Navy_Blue_Mixer.15
      • 1 mth ago
      • Reported - view

      RuliHellion I seem to remember similar behavior when Jesse decided to switch over from YNAB4 to nYNAB as a subscription model and with feature changes that many people didn't like.

      Like
      • Brendan
      • brendan_nz
      • 4 wk ago
      • 6
      • Reported - view

      Nicole It is not true that when you increased subscription prices on 14 Nov 2017, that you shared that you couldn’t guarantee our original price forever, but that you'd communicate any price changes.  We were told that we were grandfathered in at the existing price. 

      I have been using YNAB since 2008.  I have cancelled my subscription. 

      Bank Feeds are not available.  Direct import doesn't work properly if transactions are deleted.
       

      Like 6
    • Stepan  how's this?

      Like
    • Brendan And there it is again, from 2017 "value". YNAB sure does "value" YNAB, more than it "values" it's customers. I'm sure they'll be just fine with the account cancellations and factored it into the decision to raise the price for everyone. Love how they state, "We wouldn't be here without customers like you --we have the best customers!". Fast-forward to 2021, yeah, f-the customer.

      Like 4
  • And, my friends, is the sound of the other shoe dropping that we've all been waiting for since they announced moving to a SAAS model.

    Like 21
    • Testcase Its four years after they went big into the SAAS / cloud model.  Most angel investor / venture capital firms set 5 year targets for cash flow & profitability in the firms they back.  Unless YNAB self-funded the original move, my guess is some of those thresholds are going to kick hard in 2022

      Like 2
    • WhoMovedMyCheese If this is the case then their lack of financial forecasting is concerning. This should have been communicated better, especially to legacy users with a staggered price increase to bring them up to full price rather than a 100% increase with a 1 month notice.

      Like 3
    • WhoMovedMyCheese 

      At least that would make a certain amount of sense. If that's the case, then they should just admit their situation. 

      Like
  • Nicole Thanks for the heads up. I see a lot of disgruntled people in the community, but the price change for me was from $84 to $98. Not sure how other people are having a doubled price on their end, but through all of the insults and angry people in the thread, I just wanted to say thanks for your hard work, and keep it up. You're changing lives with your support and software, and for many, BECAUSE of YNAB, an increase of $1 a month is easily manageable. If your fellow support and forum managers need the encouragement, please pass this on to them as well. I want them to know that what they do is incredible.

    Like 5
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • 9
      • Reported - view

      theBrokeCarpenter legacy users have been locked in to 10% off the original $50/year subscription price, so $45. So for them, this amounts to a 98% increase on their next renewal.

      Like 9
    • theBrokeCarpenter I'm not locked into the early price. 

      However, when many other things are screaming at me to increase their funding, where is that dollar going to come from? It seems like such a little amount, but the small (and sometimes not so small) increases are adding up. It may be of better value to me to let this one go. 

      It's too bad.

      Like 3
    • Move Light Sound Life If they are screwing the loyal customers they made promises to years ago, I promise the day is coming when they'll screw you just as badly. It may be a small increase for you now. Just wait.

      Like 6
    • Move Light Sound Life It's also disconcerting. That YNAB can on any Monday morning increase the price at their will -- and it's their company, so go for it -- reminds me of how not really my budget the YNAB app is.  It's not my budget(ing app).  It's theirs.  My money, their budget(ing app). I wonder if this is some of the disgruntledness on the forum. YNAB teaches me to give every dollar a job, own and manage my money well, and that's been awesome, but when it's done on a rented platform, it's more shaky and insecure than I'd like. 

      Like 7
    • Move Light Sound Life I hear yoSky Blue Tugboat Well, they had an alternative.

      That alternative would have been to monetize the data they have.  

      That can easily be done w/o directly compromising individual confidentiality, and they'd have a huge motivated business base looking to consume it.

      Far as I can tell from the agreements, they haven't.  And that would be worse than a price increase.

      Remember:  If its free.  If you're paying well below market.  Than YOU are the product.

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

      WhoMovedMyCheese No one can disagree that a business has a right to increase their prices.  The issues here are the very short notice, the lack of services for the price (for all of those that cannot fully utilize the functions) and lying to the legacy users.  I was there and I was offered that deal 10% less than the original $50 annual price and it was lifetime, not the 10%, the $45. I decided not to go for it.  They know that the legacy users were so important to the success of the transition.  I really wish I had kept the communications, to assist them. Again, they can increase their prices but people can take their business elsewhere.  And to be honest, the options are getting better, they really are...

      Like 4
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 7
      • Reported - view

      Move Light Sound Life There’s something about it that is just obnoxious, to me.  I’ve had lots of software move to SAS over the years with really transparent and friendly notifications and explanations which were forthcoming and easy to digest. YNAB acts super cute and friendly when they want to, but when it comes to revenue the vignettes, cartoons, and emojis conspicuously disappear.

      Like 7
      • Josh R
      • Joshr.1
      • 1 mth ago
      • 2
      • Reported - view

      Seabass I was pretty confident the original deal was a lifetime $45/year rate, but to verify I did some digging.

      The original post on YNAB's Blog at launch, Jan 1 2016, was for a lifetime 10% discount, not a lifetime $45/year cost. You can find the post here on WayBack Machine under the "What's the price?" section.

      That said, the 100% increase and short notice still stings enough that I'm considering finding an alternative, even if it still means paying nearly twice as much.

      Like 2
      • Josh R
      • Joshr.1
      • 1 mth ago
      • 2
      • Reported - view

      Josh R They took out my link.

      In case they do it again, it's at web.archive.org, for www.youneedabudget.com. January 1st, 2016 -> Blog -> post "The New YNAB is here".

      https://web.archive.org/web/20160101160419/http://www.youneedabudget.com/blog/post/the-new-ynab-is-here

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

      Josh R Then why didn’t the gargantuan hike to $84 in 2017 affect us?  Perhaps they were just trying to be nice, but it sure set us all up for much confusion and ire now. 

      Like 2
      • Seabass
      • Seabass
      • 1 mth ago
      • 6
      • Reported - view

      Josh R Yes, at some point they promised the $45 for life.   The only reason I remember it is because I had to make a decision.  I suspect that, at the time,  too few were willing to move over from YNAB4 and so this was in intensive.   I remember so many being frustrated by nYNAB that they moved back to YNAB4 or were running them side by side. 

      Like 6
    • Sky Blue Tugboat yes, ynab teaches us to give every dollar a job. Lots of people, looks like, are planning to fire their dollars from the ynab job and find them work elsewhere. 

      Like 1
    • Sky Blue Tugboat 

      I agree. I'm wondering if I should try spreadsheets. Or some other budgeting app. 

      Like
  • I'll absorb the price increase, but want to echo the other users saying that this erodes goodwill that I have towards YNAB. That had taken a large hit when my one-time upfront lifetime subscription turned out to be a lie, and certainly had not recovered before this. I have previously recommended YNAB to friends/relatives, but I will not do that any more, as I would not be comfortable suggesting such an expensive option while trying to help people save money. 

    Like 19
    • Slate Gray Disk Then stop paying for it. Your "goodwill" being hit doesn't hurt them at all as long as you keep saying "aw, shucks" and continue to hand them more and more money. I promise you they don't care about your scolding comment here.

      Like 10
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 1
      • Reported - view

      Gray Captain I'm all for using alternative products, but which product has the feature parity? I understand the erosion of goodwill, too, but in all honesty, the prices are determined at a market level. YNAB is, unfortunately, in the price range of their competitors. You pay a price and get a product.

      Like 1
    • Pink Major I don't know which alternative product has feature parity because I've never had cause to look. I'll now find something before my subscription renews, though. Even if it's the same price, at least it will be from a company that didn't decide to double my price with a month's notice.

      Like 7
      • Hannah
      • Account Manager
      • hannahsbudget
      • 1 mth ago
      • 7
      • Reported - view

      Gray Captain I'm now looking into Monarch and Quicken which seem to be the most similar for same/less price

      Like 7
    • Hannah Thank you for the recommendations!

      Like 1
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 1
      • Reported - view

      Hannah Don't know Monarch. I'm looking into it also... Quicken has more features but nothing like the zero-based budget of YNAB, unfortunately. You can do it, but it's tedious.

      Like 1
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 3
      • Reported - view

      Gray Captain I'm on your side. YNAB has needed a real competitor for years. There's some out there but they're all so early access. Some promising, others not.

      Like 3
    • Hannah Thank you! I will check into those as well.

      Like
    • Gray Captain I wouldn't have characterized it as a scolding comment, and I began by saying I would absorb it. This, like many other tech solutions, has an information-captivity issue. I can't easily transfer this content to a competitor, and I'm not in a position to spend the time researching and setting up an alternative solution, so I am not likely to do it. They know that will be true for many of us. Bully for you and others who are able/willing to do that work right now, though, and I am appreciate of the comments notifying forum users to those alternatives. 

      I would bet YNAB's business operations team have growth targets for new users. Tech companies seem intensely interested in growth. Losing recommendations from existing users will cut into that, and that is something I can stop doing immediately. It's not a scold, it's just an honest response. 

      Like 2
      • Pink Major
      • Pink_Major
      • 1 mth ago
      • 6
      • Reported - view

      Slate Gray Disk The push for growth makes me wonder if they're pushing for a sell out. Boost revenues and focus heavy on EBITA. That's what you do if you're looking to find a buyer.

      Like 6
      • DosBoss57
      • Sales Manager
      • Sky_Blue_Drum.14
      • 1 mth ago
      • Reported - view

      Slate Gray Disk Same here...no more recommendations from me...

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

      Hannah Monarch is $90 per annum (7.50 per month)

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

      Colin_G But it is a complete financial software package. The question for most who are truly looking for an alternative is can Monarch envelope budget easily and for the money will they gain from the additional features beyond budgeting.  I know someone that loves it and the only reason I haven't given it a try is the trial period is only 7 days.

      Like 3
    • Seabass Monarch looks incredible (just comparing the screenshots to YNAB are like comparing a polished app to a printout from Excel). I also wonder how smoothly the actual budgeting and WAM process would go. I think I'll go back to Mint for free for a while and if I feel like I need something more I'll try Monarch. It just looks like you get so many more features and a more polished experience for the same price YNAB is bumping us up to.

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

      Seabass Maybe it is but I do not really want  complete financial management. As such its pricing point is wrong for me, or at least it gives a reason not to move from YNAB. Goodbudget might be an option - used it before and liked it. Not glitzy like ynab but functional.

      Like
      • Seabass
      • Seabass
      • 1 mth ago
      • 6
      • Reported - view

      Colin_G Like you, I am mostly about the budgeting.  I really like YNAB.  It is so unfortunate that they just dumped this 17.87% annual or 25% monthly increase with very little warning.  So unprofessional and upsetting, even more so for those that were promised the $45 (for them a 100%)    Their reasoning is that they have not raised the prices since 2017.  It is not about how often you raise your prices but the value compared to your competitors.  Monarch is the first one that I have seen that looks damn promising.  I just got one friend to subscribe to YNAB.  I have another that is showing interest.  I think I will see if she is interested in trying Monarch and, since I will be helping her set it up, we can both learn if it is any good.

      Like 6
    • Pink Major Uh...not so much with this increase.  YNAB doesn't do investment mgmt at all, and its loan facility is hot garbage (as mentioned by more than a few here).  There are several products that are starting to look like reasonable alternatives now, especially since the 4 principles are the key, and can be applied anywhere.

      Like 4
    • Pink Major 100%

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

      Seabass I remember when Jess just terminated the "old" YNAB and made it web based, upsetting the user base big time on the way. Then we have stupid stuff like AOM...what the hell is that all about! Now he has done it again with the price. Well this cookie is not playing ball - I know Goodbudget and I have already moved my budget across, it is so similar so far as I am concerned that it makes no difference. Monarch does sound interesting if you want the works  but a weeks trial is really not enough.

      Like 2
    • any answers to whether Monarch is envelope budgeting with the ability to carry category balances forward? The features otherwise seem very nice.

      Like
      • Gironaso
      • gironaso
      • 1 mth ago
      • Reported - view
      • MXMOM
      • MXMOM
      • 1 mth ago
      • Reported - view

      Pink Major i moved off of Quicken when it went to SAAS model.  Then I went to Dave Ramsey Gazelle Budget which was wiped out by the launch of EveryDollar (can’t even get that legacy data). 

      Like
      • Bad Mister Frosty
      • Clayfighter Champion
      • Navy_Blue_Mixer.15
      • 1 mth ago
      • Reported - view

      Colin_G I remember this well.  Lots of folks said they were going to jump ship when YNAB went to SAAS and web interface rather than a program on your own computer.  

      Like
  • That kind of price increase is hard to understand.  I think it would be hard for YNAB to justify.  It's very disappointing.  I will be looking to go back to Quicken.  At least  I will get back the great reports that I gave up for the cost savings of YNAB.  Adios.

    Like 9
  • So doubling the price from 45 USD to 90 USD, is just insulting. The problems that I see:

    1. Price increase is so drastic, that it is either poor decision, or poor financial planning, or greed. I dont know what % of your subscription base are on legacy plan, but this might have been delt with differently. Either it is little of us then it would not hurt to have early support tier longer or less drastic increase. Or it is a lot, but then there is issue with my next points (read on)

    2. The "customer value" we get has not improved 2x. There is lots and lots effort visible for "getting on board" and "support community" to new in YNAB. There I see there is lot of money being spent. If that is true then also the subscription base of non-legacy should have increased. If the subscription base has not increased, then it signals me there has not been right development prioritisation.

    3. What is YNABs operating model. What features cost the most? Is it running the servers with databases? (thus eletricity, bandwith, etc)? Is it support staff? Is it developers teams (e.g. more platforms presence)? Is it direct import deal? We don't know. But for my-self, I don't see justification for 100% price increase, without judging poorly company's operating model.

    4. I see misalignment between what is developed and what adds value to the customers. I fear "bloating" issue that Evernote, Dropbox faced in the past, trying to add "value" by new features that less and less user find valuable :-(.

     

    Bottom line as your user: I have not felt/seen justifiable increase in value to warrant 100% price increase. I fear healthiness of YNAB operating model and development strategy/focus. I am experiencing poor or insufficient communication justifying 100% price increase. As user, I feel betrayed and my satisfaction with YNAB as company from promoter to detractor.

    I wish there was less alienating option how to address YNAB's operational needs. Be it tiering (pay per features), gradual increase, or finding cheaper operating model, or other...

    Like 35
    • Tiering would be appreciated by me for sure. I have never adapted to direct import, which is arguably the whole point of a web-based model. I deeply regret that I don't have my copy of YNAB4 anymore, or I would 100% move back to that immediately. If there was some way to have essentially the same features (or lack of features I guess) as YNAB4 on this version of YNAB and pay $45/year to do so I would take that option in a minute even though it's still not as good a deal as it was when I purchased a standalone software package. Paying almost $100 a year for a product I use at the exact same level I used it 10 years ago makes very little sense to me.

      Like 17
    • Turquoise T-Rex YNAB still offers YNAB3 and YNAB4 downloads and license key lookups on their site.

      ETA: There’s also a script on github that allows it to run on new Mac OS. I just tried it out!

      Like 7
    • stephywephy Really??? Holy cow...I didn't know that. Thank you!!! Def going to look into that.

      Like 1
    • stephywephy If there was a way to buy old YNAB 4 software, I'd consider that. I hate SAAS.

      Like 2
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 1
      • Reported - view

      stephywephy I still have YNAB4 installed and it does indeed run on the current Mac OS after running the 64 bit conversion script.  However, that old Adobe Air code is showing its age and it doesn't run particularly well.

      Like 1
      • Agent99
      • Working to Get Smart at budgeting, finances and life
      • Agent99.1
      • 1 mth ago
      • 2
      • Reported - view

      stephywephy Yep!  I have been using YNAB4 on Mac for years now thanks to the GitHub script.  I had kept my nYNAB legacy subscription as a backup.  It was worth doing so at $45; not so much at twice the amount. 

      Like 2
    • stephywephy I just downloaded it. I am over the moon and can't thank you enough. If this works, I'm totally cancelling my subscription.

      Like 2
      • PhysicsGal
      • Nerdy female homo sapien
      • physicsgal
      • 1 mth ago
      • Reported - view

      stephywephy Do you have the link to the github page for that script?  I want to try it with my old YNAB3 license and see if it's worth paying $0 but having a less fully featured app.  What really matters is that I  stick with budgeting, which saves me a ton of money, so if it I have to pay the increased price to get myself to stick with budgeting, I will, but I know I used YNAB3 back in the day and loved it at the time.  As long as I can keep it working on my Mac I'm happy to use a non SAAS software for my budget, assuming I manage to get back into the flow and keep up with budgeting as a habit.

      Like
    • PhysicsGal Here’s the one I successfully used for YNAB4! https://gitlab.com/bradleymiller/Y64/-/tree/master

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

      stephywephy I found this yesterday and seems to work.  I plan to play with this more but was able to use it even on a new M1 Mac.  I also looked up the YNAB Classic iOS from my purchases and it seems to still run and it loaded my old DropBox YNAB 4 file.  It synced the desktop and phone from creating a few new test transactions.  So I will have to play with YNAB4 again and see if it gets me going again versus the new $90/yr.

      Like
    • stephywephy how do you get 4 to run on new Mac OS? it says it needs to be updated to run 

      Like
    • Blue Koala (9a03380df751) Here you go! https://gitlab.com/bradleymiller/Y64/-/tree/master

      Like
    • mdmangus I just tried this tonight and happily got it working as well. This gives me so much hope. Not only can I keep using what I know works, I can do it for free. Rock on. And it even has a retro look. :)

      Like 1
  • I guess being grandfathered in at the current price, as my archived email states, has magically changed to being grandfathered in at a 10% discount. Don't know about you, but my personal grandfathers would not have switiched gears so easily. They are consistent, stalwart, even (to the point of being grumpy), and would honor the concept of "legacy". It's a large bump for those of us taking a hit from today's economy. Do better, YNAB>

    Like 16
    • Orange Horse YNAB lied and is sticking with the 10% lie. its no longer the company it was in the past but we have to either pay up and wait for the next increase or find an alternative. 

      Like 1
  • I just believe that if this was being discussed months ago, just let your users know earlier that the price will increase. I do hope you can be a little more transparent about the development efforts and what kind of things you spend on. 

    Like 5
  • Disappointed that this was conveyed in an in-app message and not even an email. So glad legacy users backed YNAB into this new venture. 🙄

    Like 13
    • ametola The in-app message was sent this morning, November 1. An email will follow in the coming weeks.

      Like
      • Hannah
      • Account Manager
      • hannahsbudget
      • 1 mth ago
      • 15
      • Reported - view

      Nicole so the email is coming in however many weeks, fo a change that happens in 30 days? 

      idk about others, and I've already stated I'll stay with YNAB regardless, but that doesn't sit right with me. I definitively think there should have been more of a notice

      Like 15
      • ametola
      • ametola
      • 1 mth ago
      • 7
      • Reported - view

      Hannah I agree in that it doesn't sit well with me either.

      Nicole Emails do not take that long to write and approve. YNAB should resolve this immediately and notify all their users, especially because it is time-sensitive.

      Like 7
    • ametola Hannah I had old information here. Apologies for the confusion! An email will be sent.

      Like
    • Nicole What a cluster. This thread is pretty on-brand for how this entire price increase has been handled here. You guys need to back off and reconsider a lot of factors here. I mean, a lot of damage has already been done, but you could salvage some of your most loyal user base by rethinking how you're handling this.

      Like 15
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 4
      • Reported - view

      ametola Yeah, and on the first of the month when I wake up to 22 scheduled and imported transactions, half of which are bills to pay. 

      Like 4
    • Nicole this is one of the worst roll outs / changes a company has ever done and continuing the 10% lie is a pretty low move -- the promise for ynab 4 users who change to subscription was a fixed price for users please stop repeating the 10% lie it only makes YNAB look that much worse. this could've been done much better at the very least a stepped increase  like 10 - 20 a year until current cost (minus the 10% YNAB is claiming was the offer) for older users not a sudden doubling of the price - to soften the blow a bit. and updating our subscription information days later (latest release notes on the 5th) is a pretty blatant admission of the lack of thought and consideration put into this...... the reddit from the CEO didn't help. 

      or a tiered no direct import plan at the current price for older users 

      Like 2
    • Blue Koala (9a03380df751) Based on the Reddit AMA, the decision has been made. They've obviously done an analysis of legacy and non-legacy users, and pricing. And their analysis has concluded that even if some percentage of users cancel their subscriptions, in the end they will get the profit they need to accomplish whatever their current goals are. So, they don't care if users cancel, they are expecting that some percentage of users WILL cancel. It's not enough to impact their bottom-line.

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

      Steel Blue Griffin I agree with the end result, but find it hard to believe that this would be based on any sort of competent analysis. 

      Like
      • ametola
      • ametola
      • 4 wk ago
      • 2
      • Reported - view

      ametola Just wanted to leave a quick update that I've also cancelled my subscription. YNAB seems to forget is that legacy users have helped their friends and family sort out their finances using the same program, so when I say I'm cancelling after much discussion, there are 5 other former subscribers moving with me. 

      Like 2
    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 1 mth ago
    • 14
    • Reported - view

    Wouldn't the majority of legacy customers (those who transitioned from YNAB4) have transitioned shortly after the original launch of the web app? And wasn't that launch on January 1, 2016? So effectively you have given the majority of legacy users a 2-3 month notice that their subscription price is doubling.

    Like 14
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 2
      • Reported - view

      nolesrule A lot less notice for me.  My subscription renews on 12/29.  So something else had to take a hit on the first day of my brand new November budget.

      Like 2
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 1 mth ago
      • 1
      • Reported - view

      Budget_NC Ouch. Was there an option to subscribe before the end of the soft launch?

      Like 1
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 1 mth ago
      • 3
      • Reported - view

      nolesrule There doesn't appear to be an option to renew early in the account settings.  I'd certainly do that if there was a way to do it.  If there was a way to prepay I'd go ahead and renew for the next 2 years.🙂

      Like 3
    • nolesrule My renewal is also December 30th.

      Like
    • nolesrule Wonder if folks can deregister and then apply again anew who are about to renew soon.  Mine is early December!

      Like
    • Budget_NC totally agree with this and second it! Backblaze increased their price not long ago (a much more reasonable and incremental price increase than this YNAB abomination), and they allowed existing customers to renew in advance to keep the current price for another year, which I greatly appreciated, and took up the offer even though my subscription renewal wasn’t due anytime soon! My cloud backup service is another vital service like my budgeting service, but unlike YNAB, Backblaze treated their customers with respect in a classy way to ease them into the price increase. This shoddy behaviour from YNAB has made me trust and value Backblaze as a company even more by comparison! (Too bad they don’t also offer a budgeting service…) 

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

      Emmavescence Hah I saw the price increase alert and totally missed the offer.  My subscription just renewed in the last month and I didn't even blink an eye.  They've been great for the couple years I've used them.  Crashplan was great until they went corporate, and iDrive was a nightmare.  Definite props to Backblaze for their communication and respect.

      Like
    • Emmavescence I just switched to Backblaze, off of Crashplan for Small Business, after Crashplan basically shot their entire customer base the double middle fingers (massive changes to file retention, frequency of backup, 60 days notice).  Maybe its a 2021 end of year theme?

      Like 1
    • Budget_NC You can give yourself a "gift" subscription before the deadline, but it won't be $45, it will be the current rate that everyone pays.

      Like
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