Since using YNAB I am much more confident and comfortable with my money. After only 2 months a surprise expense that would have stressed me... Since using YNAB I am much more confident and comfortable with my money. After only 2 months a surprise expense that would have stressed me out before was completely covered and I didn't break a sweat. Using YNAB has completely changed my relationship with money for the better, and made money conversations with my partner much easier. Read more Read less

Really well designed, couldn't do without it. Linked to my banks. Great customer service.

We have used YNAB for nearly 9 years now. It has seen us through job losses, new jobs, the birth of 2 children, 2 car... We have used YNAB for nearly 9 years now. It has seen us through job losses, new jobs, the birth of 2 children, 2 car purchases and 2 house moves! In that time we have paid off thousands in debt and started saving. Without YNAB we would still be languishing at the bottom end of our overdraft, struggling to make ends meet. I LOVE IT Read more Read less

I am always looking, but nothing comes close to YNAB for seeing where your money goes. Why am I looking? Because YNAB does not support... I am always looking, but nothing comes close to YNAB for seeing where your money goes. Why am I looking? Because YNAB does not support UK banks directly - for this, you also need 'Sync for YNAB' which is an extra subscription. However, Open Banking synchronisation works perfectly, with the added benefit of webhooks for Monzo, so transactions appear instantly in YNAB. Not cheap, and I resent having to pay the same as US customers for much reduced functionality, but Sync for YNAB saves the day - perfect combination. Read more Read less

Loved this product, but it has a high price point and they have made it clear they won't support UK bank imports any time soon.... Loved this product, but it has a high price point and they have made it clear they won't support UK bank imports any time soon. This makes it quite high maintenance for a high price (about £50!) and they won't give a reduced price to non-US customers. It's a shame because the budgeting features and reporting are great. Read more Read less

Visibility is the key. Having all your money allocated after a payday means that the decision making of "can I" / "can't I" afford this... Visibility is the key. Having all your money allocated after a payday means that the decision making of "can I" / "can't I" afford this goes away. Being able to reset the application and try different budgeting categories, more / less granular, was valuable to find the right scope of budgeting for our family. Read more Read less

I use the main PC YNAB software and have now finally got my finances under control and know where my money disappears to! It's helping... I use the main PC YNAB software and have now finally got my finances under control and know where my money disappears to! It's helping (over time) to clear my credit card balances and to also set aside money for defined items (like annual insurance and car maintenance items etc). Easy to use, and powerful too (I'm learning how to do new things with it all the time!}. Read more Read less