Reddit · r/ynab · Oct 14, 2026
NegativeSummary of a Reddit comment
Says YNAB's automatic payee cleaning turned a Splitit purchase into an unrelated made-up business name, leaving them baffled until they looked it up.
YNAB Reviews
Budgeting app
Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.
How the signal works
The signal score
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
What people mention
Often liked
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (886)
Add your reviewShowing 5 reviews mentioning buggy app Show all
Reddit · r/ynab · Oct 14, 2026
NegativeSummary of a Reddit comment
Explains that payee rules run on the name YNAB invents rather than the statement name, so merchants with similar prefixes get merged and cannot be told apart.
Reddit · r/ynab · Oct 14, 2026
NegativeSummary of a Reddit comment
Long-time user who imports bank files and says the new payee cleaning ruined their workflow with no way to opt out.
Reddit · r/ynab · Oct 14, 2026
NegativeSummary of a Reddit comment
Loathes the automatic payee cleaning because it strips gas station locations they need to assign charges for work travel.
Reddit · r/ynab · Oct 14, 2026
NegativeSummary of a Reddit comment
Says the payee renaming has gotten really bad, turning a food-delivery order into an unrelated name and sending them to check whether their card had been stolen.
Common questions about YNAB
What do customers say about YNAB?
Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned. The main complaint is price increases, and quite a few moved to Actual Budget or spreadsheets. Others cite manual entry, a learning curve, bank sync gaps, and interface changes.
Is YNAB worth it?
Of the 886 reviews with a clear verdict, 55% are positive, 18% mixed and 27% negative. The praise mentioned most is easy to use. The most common complaint is poor support.
What do people like about YNAB?
The praise reviewers mention most: easy to use (9 reviews), helpful support (7 reviews) and reliable (5 reviews). For example: Used YNAB to get out of credit card debt and says the built-in interest category would have made that simpler.
What are the most common complaints about YNAB?
The complaints reviewers mention most: poor support (9 reviews) and buggy app (6 reviews). For example: Says users with multiple years of entries still have website slowdowns and crashes, and that no one at YNAB seems to care enough to fix it.
What does the signal score of 81 mean?
It's how well reviewed YNAB is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
What are the specs of YNAB?
Category: Budgeting app. Type: Budgeting app. Fees: $109 a year (annual plan).
Where do these YNAB reviews come from?
885 are quotes from Reddit, each linked to the original. 1 was written by customers here. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.