Is it worth paying for YNAB?

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.
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Does YNAB save money?

YNAB's method teaches you to give every dollar a job, and that includes your savings dollars—pretty much the opposite of letting your dollars lounge around in a cushy savings account without purpose.
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Is every dollar or YNAB better?

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.
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What is a good age of money in YNAB?

And 30 days is an excellent age of money. It means you're a month ahead (a.k.a., living on last month's income), and it's an enviable position to be in. If a bill arrives, no problem. Pay it!
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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.
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Why YNAB Is Worth the Money (And Beats Mint Hands Down)



Is it safe to link your bank to YNAB?

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).
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Is YNAB better than Mint?

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.
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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.
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What makes YNAB different?

How We're Different. YNAB is a proactive system with four simple steps: that's our method and secret sauce. It requires you to be forward-looking and intentional about every dollar; it requires you to be aware, but in return you'll be in total control of your finances, and in so doing, your life.
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How much do people save with YNAB?

How much can I expect to save with YNAB? On average, new budgeters save $600 in their first two months with YNAB. Oh, and more than $6,000 after one year. Also, more control and less stress.
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What happens in YNAB at the end of the month?

Categories that were overspent (had a negative Available amount) at the end of the month will change. In fact, in the new month, the Available will now show as a gray zero. If your category had been overspent in cash (negative red Available), that amount will be deducted from Ready to Assign in the new month.
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Should you add savings account to YNAB?

With Rule 1 in the YNAB Method, you'll Give Every Dollar a Job. This means all the dollars in your budget need jobs—it doesn't matter if that job is immediate, a few months from now, or years down the road. That's why savings accounts are Budget Accounts—you'll give each of your savings dollars a job, too.
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Why is YNAB so popular?

YNAB users claim that the app has helped them take control of their spending habits in life-changing ways. The personal finance app stands apart from competitors like Mint and Personal Capital because of its proactive system.
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How do I get the most out of YNAB?

9 Tips to Make Your Habits Stick
  1. Use your thumb's muscle memory to your advantage. ...
  2. Keep the red notification dot turned on so that it shows up on the YNAB icon when you have transactions to approve or overspending to cover. ...
  3. Piggyback off of an existing habit. ...
  4. Make a plan for when and where you'll do your budgeting.
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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!)
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Does Ynab work for couples?

If you're new to budgeting, we have a system that's saved relationships, brought people together, and gotten couples working together to pay down debt, break the paycheck to paycheck cycle, and improve communication. Sign up for your free 34-day trial today.
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What is the easiest free budget app?

Best free budgeting tools
  • Best free spreadsheet for anyone: Google Sheets.
  • Best overall free smartphone app: Mint.
  • Best free smartphone app for beginners: Goodbudget.
  • Best free smartphone app for investors: Personal Capital.
  • Best free desktop software for small business owners: GnuCash.
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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.
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Does YNAB sell 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.
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Is Mint actually free?

Mint is a free personal finance app that makes it easy to manage and save money. Developed by Intuit, Inc, this mobile app is a budgeting tool that lets users manage and track their spending. You can also set category-specific budgets and savings goals.
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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.
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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.
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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.
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