Marg You Need A Budget

I’ve been with them for a couple of years now and direct imports regularly stop working and you won’t get any notification unless you go to the account page of the app/website. They then have no ability to tell you how much time it wasn’t importing transactions for or how many were missed. I’ve talked to multiple people in support about this who have all just said that actually I should be manually adding transactions anyway so this is actually a good thing. They’re all convinced this is a feature and not a giant glaring bug in their system. I’ve been hoping they might fix it but at this point I’ve given up. It’s a real shame, YNAB has everything I want from a budgeting app except that it doesn’t actually work!I’ve also had many issues with their system stuffing up my credit card budgeting, regularly telling me that I haven’t budgeted enough/budgeted too much for my credit card despite the fact I just budget for every transaction and it’s meant to transfer that budget to the card payment category for you.These issues combined ultimately mean that I can’t trust the budget/balances it’s presenting me with, which makes it utterly useless.

I've been with YNAB for several years. The budgeting concepts are good; and, I do recommend that you buy the book and implement the four rules in your budgeting process.The company is not to be trusted. The software has been buggy from the beginning. Appeals to fix the linking issues have gone on for years, with half-hearted fixes and a vendor change to Plaid. The vendor change wasn't adequately tested at the time, and charges were not being imported correctly (Plaid had a little trouble with debits being credits for a while there). YNAB didn't even know it was going on when its users first started complaining about it. Testing before implementation feels good, man. The recent treatment of YNAB customers over the price hike really was just the icing on a very old cake. The entire debacle has been very telling in terms of how the company views its users. The contempt of their customers was overt in answers to questions posed in an online forum. They have never listened to their users' concerns in any of the fires they've had to put out over the years. And they really don't have any intention to start. YNAB does not value its customers. It has continuously been the buggiest budget software out there, with no concern about fixing its own issues.Steer clear.

This product is fine if you fit the pattern of user for which it’s designed. It’s pretty inflexible otherwise. As mentioned by another reviewer, their automatic bank sync service is very unreliable. I think the reason for this is that they do not use the modern Open Banking protocols which make the service work well. They have told me today that they have no intention of updating this. Their only interest is in North American systems so I am going elsewhere after having been with them for many years.

While the software itself is quite good I have two negative things to mention:1. In the classic software you were able to overuse a budget category (lets say -100 on Electricity as you had to pay something in advance). And then the next month this was calculate together with your budget. (so for example -100 from the last month, budgeted 100 for this month and another 50 used in this month would lead to 50 budget). This is no longer the case in the new online version. The budget from last month is only used if it is a positive value. This does not work with the way I am budgeting.2. It is simply to expensive. I'd say around 30-45$/year would be ok, but not 84$/year.