Alternatives to the new YNAB?

Alternatives to YNAB 5? We hate the new YNAB, in that is has taken away functionality (overspending carrying over, for one) we depend on and like. We've tried the new YNAB trial on multiple occasions trying to like it, but we are done. Has anyone been in the same boat and found an alternative software that actually allows you to carry overspending into the next month? I know YNAB says their way is "better", and that's fine, but we want to do it the way we've been doing it for years, and not sure why they are forcing us to change by REMOVING functionality that so many of us relied on for so long. It baffles my mind! Anyway, let me know your thoughts! If we could keep YNAB 4 Classic on our new iMac, we would, but the latest OS update has rendered it obsolete. Thanks!

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    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 2 yrs ago
    • 5
    • Reported - view

    YNAB4 is a great alternative. And it'll run on pre-Catalina Macs or in a virtual machine running a different OS on your Catalina mac, or it'll run on a Windows machine.

    Like 5
  • The basic answer to that appears to be no.

    I'm not going to try and persuade you of the benefits of not using the red arrow as you've specifically said that you don't want that. It's not very hard to recreate it though.

    Like
  • APPARENTLY IT WAS A MISTAKE TO MERGE FROM CLASSIC YNAB TO THE YNAB ONLINE... which is almost double the cost of one Classic YNAB purchase, THERE ARE OTHER OPTIONS (Other smartphone apps with desktop software that the classic YNAB had) AND YNAB WILL LOSE LOYAL USERS except for the FAKE USERS that support YNAB even though it's well known YNAB online is more limited compared to the Classic YNAB.

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      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 2 yrs ago
      • 5
      • Reported - view

      Coral Trumpet You're free to switch to whatever alternative you can find. No rant necessary; just do it.

      Like 5
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 yrs ago
      • 6
      • Reported - view

      Coral Trumpet 

      Coral Trumpet said:
      FAKE USERS

       Seriously?

      BTW, YNAB4 still works just fine.

      Like 6
      • lindsay_g
      • Beige_Banjo.3
      • 2 yrs ago
      • 3
      • Reported - view

      Coral Trumpet I love YNAB. But the forum is awful. So much hate. I just took a couple of months off to get away from it, then come back to find someone screaming that I’m FAKE. Good grief.

      Heres a suggestion for the developers, can we have a ‘block user’ button in the forum? Please?

      Like 3
    • Coral Trumpet Software needs to be maintained. People need to be paid to do that maintenance. Subscriptions provide cash flow to be able to pay people to maintain and update the software. This helps us all stay ahead of hackers, and to take advantage of (or respond to) changes by banks, etc. It's a smart move. But if you'd rather use a stale YNAB4 or a spreadsheet or something else, nobody will try to stop you. Most services (e.g., Quickbooks) have gone subscription, though. 

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

      Matt & Angela Maintenance could, should, be part of the purchase price for a reasonable timeframe. There’s nothing 8-10x better about YNAB or the maintenance of YNAB that justifies that much of a higher price. 
       

      I’d have been more than happy to have paid for the YNAB peeps to modify and recompile YNAB4 for 64-bit and to modify and recompile the iPhone app to take advantage of new resolutions. I think a lot of people would have. 

      Like 2
    • Habanero Salsa  How long is a "reasonable time frame"? The reason Microsoft, Adobe, Norton, Intuit, and scores of smaller software houses have gone to a subscription is because your "reasonable time frame" is not sufficient to provide for ongoing maintenance. Especially when many people never upgrade. Security issues are discovered; new technologies are invented; better ways of existing on multiple platforms are discovered. Oh, and having to keep up with operating platforms, who not infrequently make previous APIs obsolete. Plus, in the USA, there are actually IRS considerations with respect to frequency of releasing full versions.

      I've been in software development for ~20 years; I'm not just speaking out of hot air, but out of experience. Subscriptions are the most effective way for companies to keep applications up-to-date and as secure as they can be, financially speaking.

      If you're unhappy with the model, then stick with the old version. Install a virtual machine and run it as long as you want. *shrug* 

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      • Habanero Salsa
      • Second generation user
      • Aquamarine_Pony.8
      • 2 yrs ago
      • Reported - view

      Matt & Angela “Reasonable time” would be defined in the EULA. 
       

      They’ve gone to subscription because it’s more profitable, unless you want to argue that it costs 10x per user as much to keep YNAB going as it did YNAB4. There wasn’t a lot of ongoing coding for YNAB4.
       

      And, like I said, there were people willing to pay to tweak and recompile both the Air and mobile versions of YNAB. 


      I’m fully aware of my options, but thanks for repeating them. *shrug*

      Like
    • Matt & Angela I hear what you are saying and it sounds reasonable.  There are lots of ongoing costs. But consumers are getting subscription fatigue.  Everything is a subscription.  I have to use ynab just to manage all the subscriptions.  Enough is enough!  So now I look for software that doesn't require a subscription even if I have to give up some features. I'd much rather pay full price and then again when new versions are released rather than an on going subscription.  People will have to start making cuts and this model may backfire.   Your spreadsheet idea is good though.  And there are several out there already.  I'm considering making my own.

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    • Green Wrench Certainly. I'm not subscribing to Disney+ until I can find another subscription to cancel. I'm working to consolidate my Microsoft and Google subscriptions to one provider (with domains parked, it's a little more onerous than just cancelling one... :( ). I LOVE my Adobe subscription, though. Financially it is SOOO much cheaper than the 1.5 year upgrades I was making! :O We'll probably start seeing people gravitate to specific services to reduce the number of subscriptions they have!

      And of course, newspaper subscriptions are making a comeback! :O 

      Yeah, we have several subscriptions tracked in YNAB, and a bucket for several smaller ones. I figure, that's just modern life. 

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    • Matt & Angela We had to give up on adobe.  My wife was paying for it when she needed it and cancelled when she didn't.  Then they made it a yearly contract.  She only needs it 2-3 months per year so it wasn't worth it.  So we've since purchased some stand alone software on mac and several others on ipad.  Working great!

      Like 1
    • KaraBoo
    • A goal without a plan is just a wish
    • KaraBoo
    • 2 yrs ago
    • 11
    • Reported - view
    Coral Trumpet said:
    probably even fake users like fake news paid by the company to defend YNAB

     Oh, come on now. I'm a real, unpaid user and I will definitely defend YNAB (but if they want to pay me, I won't object).

    I stayed with YNAB4 until the bitter end. I chose to move over to nYNAB last month. Is it the exact same program? No, but change is inevitable and such is life. There are many workarounds for people who don't like the standard functionality. I'm very happy with the way it's working for me, and I say this as someone who was a die-hard YNAB4 user for six years and who swore I'd never change. I adapted.

    But, like anything else, it may not be for everyone. And that's perfectly fine. Either continue using YNAB4 or find something else that works better for you. There's reason to try to burn the house down on your way out.

    Like 11
      • KaraBoo
      • A goal without a plan is just a wish
      • KaraBoo
      • 2 yrs ago
      • 3
      • Reported - view

      That was supposed to say, "There's NO reason to burn the house down..." Oh, well. One less ruble for me.

      Like 3
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 yrs ago
      • 4
      • Reported - view

      KaraBoo You get paid in rubles per word? Cool. 😉 Or is that only for the FAKE USERS? 😂

      Like 4
      • KaraBoo
      • A goal without a plan is just a wish
      • KaraBoo
      • 2 yrs ago
      • 3
      • Reported - view

      Superbone The faker the better! 

      A ruble per syllable. Fortunately I didn't screw up on any of the multisyllabic (cha-ching!) words or I would've had to adjust my vodka category for the month.

      Like 3
      • lindsay_g
      • Beige_Banjo.3
      • 2 yrs ago
      • Reported - view

      KaraBoo I'm frequently nice about YNAB and they haven't paid me a penny. I think we need to unionise! You organise the pot luck and I'll make some banners to march under 😄

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

      lindsay_g Yeah? Well, not only have I not been paid a penny, I'm paying them! Count me in!

      Like 1
  • It's not too classy to ask for an alternative on the YNAB support forums but I do understand that your actual purpose is to voice your complaint. Yeah, some things changed and it's pricier than before.  C'est la vie. Adapt or move on.

    Like 5
  • Or, as nolesrule says, continue to use YNAB 4. There are ways.

    Like 3
  • I was hoping to get an answer on here for an alternative to the new (and much UN-improved)  version, but guess there isn't one. If YNAB 4 works on windows I may switch computers for my finances. Just seems so incredibly odd that YNAB changes fundamentally they way they do things, and don't offer the "classic" options that got our business in the first place, and tells all of us how their new way is better and far superior and if you don't like it then leave. Great business model. "Let's TAKE AWAY much loved functionality and then refuse to listen to the hundreds of forum posts begging us to bring them back! Because, after all, we know what's best for you."

    Like
      • dakinemaui
      • dakinemaui
      • 2 yrs ago
      • 4
      • Reported - view

      Maroon Mask you may have better luck asking on a more general site like Facebook or Reddit. I would feel weird posting a recommendation for a competitor on a ynab-funded site.

      Like 4
  • Maroon Mask said:
    Because, after all, we know what's best for you."
    Actually, I don’t think YNAB knows what’s best for anyone and I don’t think they mean what you’re implying. I think YNAB looks at what they believe is best for their business (it is theirs, after all, not ours) and conducts themselves accordingly. They go out of their way to impress upon everyone that your finances are simply that.....yours and yours alone. They’re simply giving you an option for how to manage those finances. If you don’t like their system, move on and find something that’s more to your liking. No need to trash the software or the company.
    Perfection exists only in your head. Not in real life. I hope you can find something that fits you better. But you shouldn’t expect a company sponsored forum to aid you in finding a competitor’s product!

     

    Like 6
    • KnitPurlKnit Except they’re not giving us the option. They took that option away! That’s my point. They had great functional software that people could use as they wanted, and then decided that they would not keep those options, supposedly for our benefit. It baffles me why they would take away options, except that they think their way is better and we should conform. Though I don’t know how that’s better business for them. Imagine Starbucks deciding that black coffee was better for you because all those syrups are unhealthy. I suppose some will support them but others will look for an alternative to what they used to be. Here’s to hoping they bring the same functionality back that they had in YNAB 4. No one can tell me why they took those away. Even YNAB told me their new way is better. So there you have it. 

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

      Maroon Mask They took away the functionality because some people misused it, purposefully or not. I think it's a poor decision -- not as poor as making the new YNAB multiple times more expensive, but still poor -- but it's not my software.

      It's not coming back. The arrow can be approximated manually. Other stuff they've addressed to some extent, or the Toolkit has, like showing upcoming transactions that used to be so easy to handle in YNAB4.

      It's probably best to accept that some of the best things about YNAB4 came about more by luck than by planning and find a way to run YNAB4, accept new YNAB, or find an alternative. That the running balance feature, after lo these many years, appears fraught with issues unlike the Toolkit version and that doesn't bode well for any kind of substantial alteration of the approach that rolled out on day one.

      Like 2
    • Maroon Mask You’re right. They took away an option that you liked. That’s their prerogative, like it or not.

      I never implied that it was a good business decision. (I don’t think it was)  What I said was it was their choice. Just as it is our choice to either accept the change or move on.  Many members of this forum have told them they don’t like the change. It’s up to YNAB to decide whether to bring it back. 

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    • KnitPurlKnit Indeed. Which is the origin of this post... has anyone found an alternative that behaves like YNAB 4?

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      • dakinemaui
      • dakinemaui
      • 2 yrs ago
      • 1
      • Reported - view

      Maroon Mask ok, full circle -- the answer is in the first reply to your post.

      Like 1
    • Maroon Mask You’re not comprehending what several of us have said repeatedly: it’s in poor taste to ask a YNAB sponsored forum to provide you with competitor’s products. 

      Like 3
  • Maroon Mask , My personal opinion is it in poor taste to come on a forum that YNAB pays for and ask for something else. You have talked about the 100's of people that are complaining on here. You are not taking into account the thousands of people that got themselves in trouble using YNAB4 wrong and got themselves in trouble and blamed YNAB. You started out saying "We hate the new YNAB". I say speak for yourself because I don't. While there are some things I don't care for overall I like it.

    Like 5
      • dakinemaui
      • dakinemaui
      • 2 yrs ago
      • 8
      • Reported - view

      kevman479  In fact, I think the consensus here is that at the moment, nYNAB is still the best product that is currently supported (despite the things that people don't like about it).

      Like 8
  • Maroon Mask said:
    Imagine Starbucks deciding that black coffee was better for you because all those syrups are unhealthy. I suppose some will support them but others will look for an alternative to what they used to be.

     If that were to happen, would you go into Starbucks and poll their current patrons for a better coffee option?

    Like 2
    • Superbone yes. 

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      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 yrs ago
      • 6
      • Reported - view

      Maroon Mask And the people at Starbucks will tell you they like Starbucks, and that's why they are at Starbucks. You'd need to go to a different coffee house to get a recommendation for something other than Starbucks, because the people who think there's better coffee than Starbucks won't be found at Starbucks.

      Like 6
      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 2 yrs ago
      • Reported - view

      nolesrule Which is literally how Costa Coffee did some of their original market research in the UK. 8 out of 10 people prefer coffee. Yes, when you ask people leaving a Costa Coffee!

      For the avoidance of any doubt, it's dreadful coffee.

      Like
      • lindsay_g
      • Beige_Banjo.3
      • 2 yrs ago
      • 1
      • Reported - view

      monkeyhanger I hate all the coffee, and indeed food, sold at both Starbucks and Costa. It’s a complete mystery to me how they stay in business at all, never mind became global players.

      By the way, I solve this quandary by buying coffee elsewhere. ;)

      Like 1
  • Maroon Mask said:
    yes

     There’s your problem.

    Like 2
    • Superbone YNAB is not a religion. It’s financial software. I was simply asking if anyone found an alternative that behaved like YNAB 4. I’m not here to argue or ruffle feathers. 

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

      Maroon Mask I just think you’re going about it the wrong way. Let us know what you end up with and why. Best of luck.

      Like
    • farfromtheusual the same reason you’re looking at this post and you are not interested in an alternative. 

      Like
    • Maroon Mask Reading isn't outlawed yet either, thankfully.

      Like
    • farfromtheusual then you answered your own question. smh

      Like
    • Maroon Mask Oh the irony of this entire conversation...

      Like
  • Hi Maroon Mask ! I, like you, waited to make the switch from YNAB 4.  That is, long before I joined the team and I can't imagine going back. All of us here at YNAB are dedicated users of the new YNAB, and most of us were dedicated users of YNAB 4, and we've built a product we're proud of.

    I understand that you miss features from YNAB 4. The Transition Guide goes into more detail behind those decisions, and what to expect in the current version. We made these changes to better align with the YNAB Method, which the app is built to support.

    If you have questions about how new features work, or need help—our team is happy to answer those for you. Please feel free to send us a message in the app!

    Regardless if you decide to continue with YNAB 4, or find another alternative—we wish you the best!

    Like
    • Nicole thanks for the reply. If I purchased YNAB 4 for Mac, can I download/use a copy on a Windows machine, which sounds like is still functional?

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      • dakinemaui
      • dakinemaui
      • 2 yrs ago
      • 2
      • Reported - view

      Maroon Mask Yes.

      Like 2
  • I hear you and agree.  I am not a fan of the 3 big changes from old to new ynab.  I made the new ynab work by finding some workarounds and now can make it do what I want. 

    I've tried a bunch of envelope budgeting desktop apps and didn't like any of them.  They did odd things.  Just made simple things more complicated.  Tiller was interesting though.  And you can make mint do what you want but you get bombarded with ads.

    Like 1
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