Can I trust YNAB?

Is YNAB a safe app? Yes, YNAB employs various security measures to protect user accounts and personal and financial information. Measures include the latest encryption and advanced login technologies.

Does YNAB sell your information?

YNAB has not and does not transfer information to third parties for direct marketing purposes. In the event we decided to do so in the future, we would provide affirmative consent and opt-out procedures.

Does YNAB sell user data?

We do not do that. At all. That's privacy and data. We make money from you paying us for the product that you are using, and that's all.

Is YNAB encrypted?

All data sent between your computer and YNAB is bank-grade or better encryption. YNAB forces your browser to use an encrypted connection and won't let your computer talk to our servers unless that connection is secure. Specifically around the traffic encryption, we use 128-bit encryption (AES_128_GCM).

Is it safe to link YNAB to bank account?

Not even YNAB's staff can access information related to your finances, except if the customer or the rare case requests for them to do so by law. For added security, YNAB encrypts all customer data.

Can You Trust Your Budget? What You Should Know About Reconciliation

Should I link bank account to YNAB?

Direct Import helps you ensure all of your transactions are in YNAB. Transactions import once they clear your bank (which can take a day or two), so it's best to record your spending right away.

Is YNAB worth the money?

Compared to other personal finance apps, I found YNAB to be one of the best for budgeting, because it really encourages you to think ahead and take the time to plan where you want your money to go. Still, it's far from the only personal budgeting tool available.

Is Mint better than YNAB?

If one's financial outcome with either apps were equal, then clearly Mint would be the more economical choice. But YNAB claims that its new budgeters average $600 savings over the first two months and $6,000 in savings over the first year. If this holds true, $98.99 for the year would be well worth the investment.

Are budget apps worth it?

Personal finance and budgeting apps are a great way to keep track of your money, but they work best if you're somewhat tech-savvy and tend to make most of your purchases using a debit or credit card. For people who regularly use cash, manually entering transactions into the app can get tedious.

Is Quicken better than YNAB?

YNAB is better for simple budgeting functions.

On the other hand, Quicken is better if you want more tools and you think you'll use the features. If you have investments or business income or want help with more advanced financial management, Quicken is a better choice.

How much does YNAB cost monthly?

YNAB's subscription price is $14.99/month or $98.99/year (USD).

Does YNAB automatically import credit card transactions?

Imported Credit Card Payments

For Linked Accounts, credit card payments will import once they clear. If it's the first payment between two particular accounts, YNAB won't know to make it a transfer. That is, unless you manually enter the payment first—using the steps above—which allows them to automatically match up.

Does YNAB pull transactions automatically?

Scheduled Transactions

They'll automatically drop into your account register on whatever frequency you choose. They serve the dual purpose of quick entry for frequent or repeating transactions and as a reminder for those not-so-frequent ones (looking at you car insurance!)

Which is better YNAB or every dollar?

In a Nutshell

YNAB is for those who want a more complex tool to categorize spending as they go and better understand financial habits. EveryDollar is for budgeters who want a simple budget app that focuses on following a predetermined amount for the month.

How do I get YNAB for free?

Sign up and try YNAB free for 34 days without ever entering your credit card using the Free Trial button above. At the end of your free trial, you can pick one of the plans (monthly or yearly) and enter your payment method.

Is there anything better than Mint?

Personal Capital–Best Overall Alternative to Mint.com

Personal Capital can easily replace Mint. Like Mint it's free, and it offers far more tools to keep track of your finances and analyze your investments. You can link just about any financial account to Personal Capital's app.

Which banks work with YNAB?

Import your transactions into YNAB automatically from banks such as Revolut, American Express, Nationwide, Natwest, Monzo, HSBC and many more.

Are pocketbooks safe?

Your personal information is entered through Secure Socket Layer (SSL), which creates an encrypted connection between your browser and our servers. This information is kept encrypted at all times. Your bank login credentials are stored securely using multi-layered hardware and software encryption.

How many subscribers does YNAB have?

As its name suggests, YNAB is, at its most basic, a budgeting app. But with two books, two podcasts, a dedicated subreddit (75,000 followers), YouTube channel (53,000 subscribers) and Facebook fan page (44,000 members), YNAB has become a lifestyle.

How do I manage my debt in YNAB?

If your focus debt is a loan, create a Debt Payment Target and choose a payoff date. YNAB will automatically calculate the monthly payment for you! Set Targets for your other debts. For all other credit cards and loans, you're going to make just your minimum payment while tackling your focus debt.

How do transactions work in YNAB?

If it's a linked account, or you're using File-Based Importing, YNAB will automatically match transactions when they import. Click the account name in the left sidebar to open the account register. Click the Add Transaction button. Enter the date of the next occurrence of the transaction.

How often does YNAB sync with bank?

Put simply; our system can check for newly cleared transactions up to 4 times a day, but that timing can change if the financial institution puts restrictions on it, or if there's a temporary error trying to contact the institution during those attempts.

What is the easiest free budget app?