Yes, it would be better to cancel it. It's very difficult (if not impossible) to make it play well with YNAB, and you're right: now that you have YNAB, you don't need Qapital.

If it helps, you can still do a bit of the same thing by sweeping unspent categories into fun money or long-term savings. I do this on a weekly basis: if I've underspent my grocery budget, I move the rest into something fun. Adds up fast!

Hi, Julie

The recommendation is always to cancel the round-up programs or spare-the-change programs, and begin making deliberate allocations to savings categories yourself.

The programs work really well for people who aren't paying attention to the minute details of their financial transactions.  But because in YNAB you monitor your account balances, and you track every single dollar or cent and have given them all jobs already, when the program siphons off a bit here or there, you have to match it entry-for-entry by siphoning off from one category and allocating it to another, or transferring minute sums from one account to another.  It becomes an exercise in excessive entry and tedium, especially when you consider that you don't end up with "new" money at the end.  There will not be any sudden windfalls of $5,000.  Using YNAB that $5,000 will be there all along and you will be aware of every $ you move around in order to save up the $5,000.

Agreed. I used Qapital as well and really enjoyed it for a while. I used it to pay extra money towards my student loans and for my vacation stash. 

Now I find I'm being forced to think ahead and actually set those categories up as goals. 

I'm finding that I prefer telling my money what to do when it comes in vs waiting to see what I have left and deciding later what to do with it. 

I didn't cancel my capital account but I did pause everything while I went all in on YNAB. Now that I have I don't think I'll go back.

Another vote for cancelling it. I had this feature on my main account when I started YNAB and as said it became an exercise in excessive transactions and tedium. Saving 0.04 cents at a time isn’t much fun when you have to enter it in to the transaction list each time. I’m addition, that feature was usually the culprit for out of balance events. 

Eight months later I can intentionally save more in a month than I could in a year of any rounding up app.

Hi Julie !

Everyone above has made a great argument against those roundup accounts - we also have a great blog post about why we don't typically recommend those round-up savings account. Now that you're a YNAB user, we think that you'll find a lot of great ways to save money without the round up accounts--so, consider keeping your change and letting your budget be your guide. I think you'll find that article really helpful.

If, despite our efforts to sway you, you still want to keep Qapital, it would take a bit of extra work. Each transaction would need to be entered as a split, with the roundup amount being a transfer to a Qapital account in your budget.

If you do need additional help, please let us know! :)

Bank of America does this too...Keep the Change I think it's called. Not sure if there is a way to DC it.