Budgeting app
Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.
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.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 15 reviews mentioning helpful support Show all
Reddit · r/ynab · Sep 4, 2026
PositiveSummary of a Reddit comment
Had a minor version of the credit card issue and got on a call with a YNAB representative who helped sort it out, and now keeps the credit card category green and funds overspent categories.
Reddit · r/ynab · Jul 31, 2026
PositiveSummary of a Reddit comment
Has used YNAB for at least ten years, finds it still helpful with prompt real-person chat answers, and despite rising prices finds it worth the money for the peace of mind it gives, filtering out the gimmicky parts.
Reddit · r/ynab · Jul 29, 2026
MixedSummary of a Reddit comment
Was switched by YNAB support to a different sync provider because their bank worked better with it, and notes YNAB is not automated since you interact with everything and sync only saves time.
Reddit · r/ynab · Jan 5, 2026
PositiveSummary of a Reddit comment
Got the Fidelity 2% Rewards card integration working in YNAB after support suggested logging in through the Elan website instead; the fix works pretty well, though there is no solution for the Fidelity CMA.
Reddit · r/ynab · Aug 14, 2026
PositiveSummary of a Reddit comment
Used YNAB mostly to track for years, then hired a certified coach for a single hour who made them get it in a way watching videos never could.
Reddit · r/ynab · Jul 28, 2026
PositiveSummary of a Reddit comment
Bought YNAB through Apple and got a prorated refund for the rest of the year when they fully switched to another app.
Reddit · r/ynab · Aug 1, 2026
PositiveSummary of a Reddit comment
Did not renew and got a refund from YNAB for their unused subscription time.
Reddit · r/copilotmoney · Apr 5, 2024
PositiveSummary of a Reddit comment
Says YNAB has helped them save so much money and its support is awesome, messaging them in-app about once a month and getting fast responses.
Reddit · r/ynab · Feb 28, 2024
PositiveSummary of a Reddit comment
Used to wing it with money; two months into YNAB it has helped a lot, and support extended their free trial by a month, which helped them learn it.
Reddit · r/ynab · Feb 3, 2020
PositiveSummary of a Reddit comment
Was unsure after a month, wrote to YNAB asking for more trial time and was given three more months; by the end was completely sold, and says it shifted their relationship with money and is worth the subscription.
Reddit · r/ynab · Jan 2, 2020
PositiveSummary of a Reddit comment
Says YNAB Customer Support is wonderful and that you could easily get three or more months of trial to get your feet under you, though they later learned extended trials had stopped.
Reddit · r/personalfinance · Jun 24, 2019
PositiveSummary of a Reddit comment
After struggling to understand the program they bought, YNAB reached out to them and they found the customer service probably the best they have ever encountered.
Reddit · r/ynab · Nov 6, 2021
PositiveSummary of a Reddit comment
Has tried other apps and finds YNAB cleanest and easiest to use, with support the easiest to work with of any company, and is fine paying the new price.
Reddit · r/personalfinance · May 24, 2018
PositiveSummary of a Reddit comment
Had balances not adding up at first, emailed YNAB, got another month to try and then reconciled; since then YNAB has been very smooth and easy once going.
Reddit · r/personalfinance · Jun 12, 2019
PositiveSummary of a Reddit comment
Contacted YNAB about data privacy and was told they do not sell any user data, which is good enough for them.
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.
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.
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.
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.
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.
Category: Budgeting app. Type: Budgeting app. Fees: $109 a year (annual plan).
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.