Latest reviews

Reddit · r/ynab · yesterday

A decade-long devoted user who still does not understand some of the odd behaviours such as stealing from the future.

Reddit · r/CreditCards · 2 days ago

Has done a weekly reconcile-and-pay routine in YNAB since 2022 for peace of mind after past card debt, but is now dropping it for a cheaper alternative and dislikes its renamed menus.

Reddit · r/CreditCards · 2 days ago

Used it for several years before moving to a different budgeting app, feeling YNAB had kept making things harder rather than easier.

Reddit · r/CreditCards · 2 days ago

Uses YNAB with linked accounts and finds it much easier than manual tracking. Calls it pricey but worth the reduced mental effort.

Reddit · r/ynab · 2 days ago

Set the iPhone action button to add a YNAB transaction and now logs purchases right after paying, before the receipt prints.

Reddit · r/ynab · 5 days ago

Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.

Reddit · r/ynab · 5 days ago

Enters every transaction by hand at the time of purchase in YNAB, reconciles twice a week and says the routine takes about five minutes a day.

Reddit · r/ynab · 5 days ago

Prefers YNAB's web app and distrusts the mobile app, whose constantly changing functionality they find confusing and fiddly.

Reddit · r/everydollar · 8 days ago

After a decade as a paying member, the budget-locking update made it unworkable overnight, so they built a custom Excel spreadsheet with AI help and cancelled the subscription.

MoneyRecs · Ben · 10 days ago

I mostly open this to clear the transactions waiting for review and see where the spending is going. That's enough for me. Having the upcoming bills on the same screen is handy, especially when the current balance looks more generous than it really is. I still check the categories instead of accepting everything in one go. Takes a little attention, but I prefer that to opening a spreadsheet and deciding I'll deal with it later.

MoneyRecs · Priya S · 11 days ago

Two years in, my husband and I finally know where the money goes. Worth the $109.

Reddit · r/MonarchMoney · 11 days ago

Likes the interface but the endless bugs, Amazon issues and rules that do not work became truly exhausting, so they migrated to Monarch.

Reddit · r/ynab · 11 days ago

Tried Monarch for a while but the lack of zero-based budgeting was the killer, being hardwired to zero-based budgeting.

Reddit · r/ynab · 11 days ago

After seven years on YNAB, was pushed toward Monarch by YNAB's home screen advertisements, finding ads on top of a paid subscription so offensive.

Reddit · r/everydollar · 12 days ago

After years of use, a recent update locks closed monthly budgets completely so you can't go back to log refunds or delayed charges from two months ago.

Reddit · r/ynab · 12 days ago

Tried Monarch for a few months but found the inability to reconcile unsettling and never knew if they could trust their budget.

Reddit · r/ynab · 12 days ago

A long-time YNAB user who tried Monarch for several months, found a beautiful UI but could not warm up to the budget feature, and is now trying Copilot.

Reddit · r/ynab · 12 days ago

A long-time YNAB user trying Copilot after Monarch, calling it a gorgeous app while still finding its budgeting lacking.

Reddit · r/personalfinance · 12 days ago

Likes Monarch after tracking finances for years, making a yearly budget and checking in about halfway through, with the detailed tracking available but the higher-level view working well.

Reddit · r/personalfinance · 12 days ago

Has used Monarch since before it had AI categorization, and says categorization did not seem to get any better.

Reddit · r/personalfinance · 12 days ago

Moved to Monarch but thinks they should have kept YNAB, as they enjoy manual categorizing and kept up with it better by entering transactions as they happened.

Reddit · r/personalfinance · 12 days ago

Finds with Monarch they must wait for transactions to show up before accepting and categorizing them, and cannot enter them manually without creating duplicates.

Reddit · r/ynab · 13 days ago

Switched to Monarch this month after YNAB struggled to connect some accounts, and is very pleased so far.

Reddit · r/ynab · 13 days ago

Says YNAB has not delivered enough value for its price, with silly UI updates, imports that still work only half the time, and the same underwhelming reports for years.

Reddit · r/ynab · 13 days ago

Tried Monarch for a few days and ran straight back to YNAB, which they consider the best budgeting app currently.

Reddit · r/ynab · 13 days ago

Tried Monarch on a promo, calling it slick and great looking, but within six months was back on YNAB and let Monarch lapse, preferring zero-based budgeting to being a passenger.

Reddit · r/ynab · 13 days ago

Uses Monarch for their parents and loves it for investments, better import features, customization, an agentic interface and a more modern feel, though it is not zero-based budgeting.

Reddit · r/ynab · 13 days ago

Tried Monarch and says support was unhelpful and would not even respond to their ticket.

Reddit · r/ynab · 13 days ago

Tried Monarch for a few days and disliked that accounts were not connected, so recording a credit card payment meant two independent transactions that do not update together, a reconciliation risk.

Reddit · r/ynab · 13 days ago

Switched away because YNAB struggled to connect to some accounts during a very active month and, when it synchronized, was completely out of whack, defeating the purpose of automation.

Reddit · r/ynab · 13 days ago

Switched to Monarch recently because YNAB was too much of a pain for logging transactions and linking certain accounts.

Reddit · r/ynab · 13 days ago

Wants zero-based budgeting but switched to Monarch because categorizing in YNAB was so painful they budgeted less, citing weak auto categorization rules and four clicks to split a transaction.

Reddit · r/ynab · 13 days ago

A long-time YNAB user who switched two months ago and finds Monarch more proactive in tracking and monitoring.

Reddit · r/ynab · 13 days ago

Switched to Monarch permanently to track net wealth and because flex budgeting lets them set aggregate lump sums while still tracking spending, unlike YNAB which encouraged amassing underused cash.

Reddit · r/ynab · 13 days ago

Jumped to Monarch and is never coming back, saying it does not feel like having a second job to keep things organized.

Reddit · r/ynab · 13 days ago

Just signed up for Monarch and is pretty impressed, finding it more streamlined than YNAB, with easy receipt scanning, automatic splits and a helpful AI assistant for budget setup.

Reddit · r/personalfinance · 13 days ago

Started using YNAB 16 years ago but has reached a stage where not every dollar needs a job, and still grinds reconciling every cent while wanting gross-level cash flow and aggregated investments.

Reddit · r/personalfinance · 13 days ago

Says with Monarch you just change the categories you disagree with, that it is very easy to use, and that they love it.

Reddit · r/personalfinance · 13 days ago

Uses Monarch and really likes it, noting a lot of great extensions.

Reddit · r/MonarchMoney · 15 days ago

Had a terrible problem with their bank breaking things via Plaid, and says Monarch help was great at restoring the mess others made.

Reddit · r/ynab · 15 days ago

Says YNAB altered their life for the better six years ago and helped them become debt-free, but the app and atmosphere have changed, and they feel the company is ending the relationship.

Reddit · r/CreditCards · 16 days ago

Uses Monarch for general financial planning; finds it hard to track card points with it, though its automation rules are robust.

Reddit · r/CreditCards · 17 days ago

Loves YNAB despite a steep learning curve; automatic categorisation works well and fixing a wrong category is easy.

Reddit · r/CreditCards · 17 days ago

Uses YNAB as the place every credit card transaction lands and keeps card rewards in a separate spreadsheet, tracking redeemed cash back as its own YNAB category.

Reddit · r/CreditCards · 17 days ago

Uses Monarch to record every transaction rather than for budgeting, and likes how far its categories can be customised.

Reddit · r/ynab · 18 days ago

Found YNAB through a book at a bookstore, says it transformed their financial life and left them ready for retirement with total command of expenses, using about 40% of its capacity because the philosophy is what works.

Reddit · r/ynab · 19 days ago

A ten-year customer and evangelist who got half a dozen friends to sign up but will not renew, saying changes over the past 18 months made YNAB increasingly frustrating to use.

Reddit · r/ynab · 19 days ago

Says YNAB has implemented several of their feature requests over the last year, including removing the busywork of approving matched transactions, and the new home tab they did not ask for has grown on them.

Reddit · r/ynab · 19 days ago

Finds mismatched transactions get auto-approved when buying the same item daily, so the cleared balance stops matching the bank and they must reconcile more often, which is now more work than the old manual approval.

Reddit · r/ynab · 19 days ago

Has used YNAB since 2016 and has basically never had any issues.

Reddit · r/ynab · 19 days ago

Remembers YNAB before it became a web app, but says the main web interface still works better for them than anything else, while the iPhone app does not suit them at all.

Reddit · r/ynab · 19 days ago

Almost ten years with YNAB, then downloaded Zerosum to run both until renewal and within ten minutes deleted the YNAB app, then deleted the account and got a refund.

Reddit · r/ynab · 19 days ago

Cancelled at renewal after using YNAB since 2011, now using AI for monthly analysis, saying YNAB has made no real improvement to its offering to justify the cost.

Reddit · r/ynab · 19 days ago

Says YNAB's bank sync works fine across their credit union and bank accounts and they'd keep using it even at the higher price.

Reddit · r/ynab · 21 days ago

Says YNAB is definitely worth the money for showing where money goes, planning ahead, letting every family member have a spending plan at no extra cost, and flexible tracking.

Reddit · r/ynab · 21 days ago

Used Claude Code to build a YNAB clone that may not have everything but is good enough and even connects to their bank accounts through SimpleFin.

Reddit · r/MonarchMoney · 22 days ago

Tried the Monarch MCP for the first time, asked it to find critical concerns in three months of data, and it found 12 items, half of which needed clarifying notes; pleased and would recommend.

Reddit · r/MonarchMoney · 22 days ago

Finds Monarch's own AI assistant getting better, now answering previously wrong prompts correctly and returning responses much faster than before.

Reddit · r/MonarchMoney · 22 days ago

Joined Monarch a week ago after years at YNAB for clear reports and all accounts in one place, and has been using Claude through MCP to bulk categorize transactions and clean up rules.

Reddit · r/MonarchMoney · 22 days ago

Left Plaid because syncs were flaky and force syncing did nothing, and says Finicity is not much better for Capital One, whose sync never updates; MX also does not pull holdings.

Reddit · r/MonarchMoney · 22 days ago

Feels Monarch has finally become stable at connecting to their accounts and syncing reliably, including their largest Schwab account via Finicity, so they are hesitant to change providers.

Reddit · r/ynab · 22 days ago

Built a local app that uses the YNAB API to connect to their data and shows far more than the Toolkit extension, which they found eye opening.

Reddit · r/MonarchMoney · 23 days ago

An account dropped via Plaid and reconnecting made a duplicate; contacting Monarch is painful, with a reply after 24 hours and no response to the follow-up after 48 hours, and they want the user to fix the merge.

Reddit · r/MonarchMoney · 23 days ago

Says their institution keeps not showing transactions despite being re-added, with no solution offered beyond a resync, and will likely not renew.

Reddit · r/ynab · 23 days ago

Says YNAB has a pretty steep learning curve but is the best of the best and worth taking the time to learn, with a huge online community and strong YouTube resources.

Reddit · r/ynab · 23 days ago

Did not like YNAB, finding it way too complicated and disliking linking bank information, and uses Pocket Clear instead; they love the concept but it did not work for their brain.

Reddit · r/ynab · 23 days ago

Says YNAB has saved them stress since retiring, and credits it with helping them plan and afford several trips abroad.

Reddit · r/MonarchMoney · 23 days ago

Says they and their wife love Monarch, which keeps adding every small feature other apps lacked for accurate bookkeeping, and they tell every couple they meet to have it.

Reddit · r/copilotmoney · 29 days ago

Finds Copilot's web version awful because it does not match the app's capabilities, and is probably moving to Monarch.

Reddit · r/MonarchMoney · 29 days ago

Has more issues per week with Monarch than during the whole time on Mint and Simplifi, always has multiple support tickets open, finds the AI chatbot customer service irritating, and would not recommend it now.

Reddit · r/copilotmoney · 30 days ago

Began tracking with Copilot but found it glitchy and saw other apps progressing faster, so moved to Origin.

Reddit · r/copilotmoney · 30 days ago

Finds Copilot releasing features at a snail's pace and has resorted to downloading transactions to analyze elsewhere.

Reddit · r/ynab · 30 days ago

Loathes the automatic payee cleaning because it strips gas station locations they need to assign charges for work travel.

Reddit · r/ynab · 30 days ago

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.

Reddit · r/ynab · 30 days ago

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.

Reddit · r/ynab · 30 days ago

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 · 30 days ago

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 · 30 days ago

Finds automatic payee cleaning helpful most of the time, since bank imports show only store numbers, but admits it can trip them up.

Reddit · r/MonarchMoney · 30 days ago

Has vibe-coded a few apps and finds maintaining them a pain, so is happy to pay 99 dollars a year if Monarch deals with that headache.

Reddit · r/MonarchMoney · 30 days ago

Tried a ChatGPT-based alternative and found it not nearly as good, saying Monarch is relatively cheaper with many well-maintained features.

Reddit · r/MonarchMoney · 30 days ago

Says they have been incredibly disappointed in the rate of innovation at Monarch, which should innovate faster than a DIY build.

Reddit · r/copilotmoney · 31 days ago

After almost four years on Copilot, left for Monarch, saying Copilot stagnated as a nice-looking month-to-month spending tracker.

Reddit · r/MonarchMoney · 31 days ago

Has found Monarch works well, with customer service replying in under 12 hours, and is extremely satisfied.

Reddit · r/MonarchMoney · 32 days ago

Left Empower about 18 months ago over connection issues and settled on Monarch, with no connection issues across Fidelity, Wells, Schwab and a regional bank.

Reddit · r/MonarchMoney · 32 days ago

Says they still love Monarch and use it for everything else, though they are building their own retirement planner to avoid paying for the premium tier.

Reddit · r/MonarchMoney · 32 days ago

Has reverse split income in Monarch for years, which made a huge difference, giving an accurate savings rate toward retirement and HSA, helping with taxes, and syncing to ProjectionLab for forecasting.

Reddit · r/MonarchMoney · 33 days ago

Has seven institutions connected and uses Monarch daily with no issues.

Reddit · r/MonarchMoney · 33 days ago

Has struggled with transactions not syncing and disconnections for so long, finds Monarch support pretty bad with slow, unclear replies and no updates, and will cancel within a week.

Reddit · r/MonarchMoney · 33 days ago

Has 34 accounts in Monarch with only 5 having sync issues, the same five that failed on other platforms, and attributes them to the aggregators and institutions rather than Monarch.

Reddit · r/MonarchMoney · 33 days ago

Used Mint until it shut down and says it had connection issues about as often as Monarch does for their accounts.

Reddit · r/ynab · 34 days ago

Calls YNAB still a wonderful app and has used it since 2019, saying it has helped in both comfortable and difficult periods.

Reddit · r/MonarchMoney · 34 days ago

Says nearly half their Monarch connections do not update, manual refreshes do not fix balances, and the refresh error has persisted three months, throwing off their reporting and consolidations.

Reddit · r/MonarchMoney · 34 days ago

Runs Monarch alongside Empower and finds Empower's connections for their accounts much better; Monarch has the features they want but is a pain to keep connected.

Reddit · r/MonarchMoney · 34 days ago

Has the same institutions connected on Robinhood, M1 Finance and Monarch, and says Monarch is the only one that keeps dropping off, often the Bank of America checking account, so they think it is a Monarch problem.

Reddit · r/MonarchMoney · 34 days ago

Refreshes accounts on Monarch every week even though other Plaid-connected accounts work fine, and likely will not renew, since the service does not work when connections drop consistently.

Reddit · r/MonarchMoney · 34 days ago

Uses a couple of other platforms and says none drop connections like Monarch.

Reddit · r/MonarchMoney · 34 days ago

Says about 80% of their account connections are great, with pending charges taking a couple of days to reconcile, and the other 20% having problems across platforms; likes being able to switch aggregators.

Reddit · r/MonarchMoney · 34 days ago

Switched from Rocket Money because it would not connect reliably to many cards and banks; Monarch has been much better on connections, though the TSP account still will not sync.

Reddit · r/MonarchMoney · 34 days ago

Prefers most things about Rocket Money, including how it shows budgets, its UI and spending tracking, but switched to Monarch because Rocket Money would not connect reliably to many credit cards and banks.

Reddit · r/MonarchMoney · 34 days ago

Uses Monarch to categorize expenses and see monthly and quarterly profit and loss, has never had issues and still really likes it.

Reddit · r/MonarchMoney · 34 days ago

Had sync issues until they switched connectors, with Amex security changes breaking Plaid, and Finicity has had no issues since; no other sync issues, and they do not blame Monarch.

Reddit · r/MonarchMoney · 34 days ago

Has used Monarch for over 1.5 years with about 20 to 25 linked accounts and has never had any connections dropped.

Reddit · r/MonarchMoney · 34 days ago

Misses functional budgeting and a straightforward interface, calling Monarch really just a net worth tracker that requires manual account updates, and plans to dump it at the next renewal.

Reddit · r/MonarchMoney · 34 days ago

Has many connected institutions with only occasional issues solved by switching connections, and has found no other platform that comes close to Monarch for functionality and ease of use after Quicken desktop.

Reddit · r/MonarchMoney · 34 days ago

Gave up last month after being on Monarch since Mint shut down, deleting the app and cancelling because the connection problems were not worth the time and effort, and it is expensive.

Reddit · r/personalfinance · 35 days ago

Attempting to cancel old unused subscriptions through the app simply resulted in instructions to log into each service directly, with no customer support or efficient cancellation path.

Reddit · r/ynab · 35 days ago

Got back on YNAB after a few years and found seeing registration, insurance, maintenance and gas together eye opening as monthly spending rose with a new car, also finding many subscriptions to cut.

Reddit · r/ynab · 35 days ago

Before YNAB they were not tracking transactions; once they started it became clear they were spending 15 percent or more on flexible expenses such as dining out.

Reddit · r/ynab · 35 days ago

Used to count only travel and lodging as a trip's cost, but YNAB shows dining, activities and shopping often double the true cost, helping them be more honest about what trips cost.

Reddit · r/ynab · 35 days ago

Finds it humbling to set a YNAB target and realize they spend far more than they thought, especially on car ownership.

Reddit · r/ynab · 36 days ago

Says YNAB helped them reach the point of paying their card off in full each month, so they no longer benefit from the new interest category but welcome it.

Reddit · r/ynab · 36 days ago

Used YNAB to get out of credit card debt and says the built-in interest category would have made that simpler.

Reddit · r/MonarchMoney · 36 days ago

Bought Monarch Core but passed on Plus because after two days all their LPL investment accounts failed to connect via Plaid, and Finicity and MX do not import holdings, making investment analysis worthless.

Reddit · r/personalfinance · 42 days ago

They use Monarch as their aggregator and found it supports both Yodlee and Plaid connections for their credit union, and switching to Plaid made syncing much better.

Reddit · r/personalfinance · 42 days ago

Syncing a local credit union Visa into aggregators like Tiller and SimpleFin has meant almost continuous connection and transaction-pull problems, with slow progress from the bank or the services.

Reddit · r/MonarchMoney · 42 days ago

Has Monarch connected into Claude and says it works great, using it to compare Amazon and Costco purchases and find potential savings of nearly 1,000 dollars a year.

Reddit · r/copilotmoney · 43 days ago

Three months in, loves the clean iOS app and easy expense tracking, but finds looking back at previous months' budgets takes many clicks.

Reddit · r/personalfinance · 46 days ago

Paid version is much simpler and easier to stay consistent with than more complicated zero-based competitors, and the mobile app works great.

Reddit · r/ynab · 46 days ago

Sticks with the desktop version, which is easy, and makes YNAB their first stop of every day, taking from a few seconds to ten minutes, thinking the app would drive them crazy.

Reddit · r/copilotmoney · 47 days ago

Calls Copilot the easiest app they have used, though they would like a few new features and think the price is fine.

Reddit · r/ynab · 47 days ago

A ten-year user who thinks YNAB's credit card logic around overspending in a category is either new or a bug, since it did not used to behave this way.

Reddit · r/copilotmoney · 48 days ago

Asked for a savings goal feature on Copilot's forum around 2021, and it took four years to arrive despite thousands of upvotes.

Reddit · r/copilotmoney · 48 days ago

Dislikes that drilling down in Copilot always requires the transactions tab and finds basic filtering and reports missing, so is close to switching.

Reddit · r/copilotmoney · 48 days ago

Found Copilot's design beautiful but not strong enough for budgeting, so moved to YNAB.

Reddit · r/copilotmoney · 48 days ago

Found linking accounts easier in Copilot but Monarch's layout easier on the eye and better for planning.

Reddit · r/copilotmoney · 48 days ago

Likes Copilot as it is and says features work without issues once released, though they take a while.

Reddit · r/copilotmoney · 48 days ago

Reached out to Copilot support with a feature request and got nothing back for a couple of years.

Reddit · r/copilotmoney · 48 days ago

Says the Apple savings connection has been broken for months and unfixed, so they unsubscribed.

Reddit · r/copilotmoney · 48 days ago

Not renewing, feeling Copilot is just squeezing subscribers for money.

Reddit · r/personalfinance · 50 days ago

Five years of use felt more reactive than proactive since entering future paychecks in advance made it easy to spend money not yet in the bank, and credit card spending isn't automatically set aside for payment.

Reddit · r/personalfinance · 50 days ago

Free version has worked well for years by manually entering purchases once a week and reviewing the monthly budget without unnecessary automation or bells and whistles.

Reddit · r/personalfinance · 50 days ago

Free version serves as a clean digital replacement for a paper budget notebook, making it simple to plug in monthly income and expenses to see what remains.

Reddit · r/ynab · 50 days ago

The YNAB app gamified personal finance for them as part of a morning coffee routine, but after the updates over the last year they open it less and feel less connected to their budget.

Reddit · r/ynab · 50 days ago

Says YNAB helped them recognize charges and subscriptions they did not need, hooked them into a ninety-dollar yearly subscription, and they stuck out the price increase.

Reddit · r/MonarchMoney · 51 days ago

Has used Mint and Rocket Money before and thinks Monarch is more insightful and visually appealing, especially for seeing their and their partner's finances together; they sometimes reconnect accounts.

Reddit · r/ynab · 51 days ago

A three-year user who found YNAB life-changing, but the last year of unnecessary UI updates has them really disliking the app and thinking about alternatives.

Reddit · r/ynab · 51 days ago

Uses the app only to enter transactions on the go, and finds reconciling a nightmare jumping between YNAB and bank apps that log you out when you switch.

Reddit · r/ynab · 51 days ago

Feels YNAB lately is change for change's sake, with constant UI churn and tinkering with things that worked well, so users keep relearning basic workflows.

Reddit · r/ynab · 51 days ago

Is leaving when the annual membership expires because features like bank transactions are not supported where they live and the latest price bump was too much, noting free apps do the same envelope budgeting.

Reddit · r/ynab · 51 days ago

Has been with YNAB for about 8 years, calling it a great system, but feels the company does not care about existing users' opinions and is just selling new subscriptions and books.

Reddit · r/MonarchMoney · 54 days ago

Highly recommends Monarch after trying a few apps, picking it for the best UI and features, and now uses rollover, goals and investment tracking for more control and planning.

Reddit · r/MonarchMoney · 54 days ago

Settled on Monarch for lack of competition and has been disappointed: sync is busted all the time, there is no automation for itemizing paychecks, and the investing tab is worthless.

Reddit · r/budget · 55 days ago

They linked multiple bank accounts to Rocket Money and like that transactions can be categorized, but they struggle to stay consistent with the app and find all the information overwhelming.

Reddit · r/budget · 55 days ago

A user of Rocket Money who found the app not worth paying for, calling it a waste of money in a short, blunt verdict with no specifics given.

Reddit · r/HighYieldSavings · 55 days ago

Used to see all their checking accounts on one page while cycling accounts for bank bonuses.

Reddit · r/MonarchMoney · 55 days ago

Switched from Rocket Money and likes Monarch's household tracking and its connection to their mortgage company, but finds transactions update slower, taking a day or more.

Reddit · r/MonarchMoney · 55 days ago

Says Rocket Money retrieved account transactions much more quickly and frequently than Monarch, though it could not connect their mortgage company.

Reddit · r/MonarchMoney · 55 days ago

Came from Rocket Money and says Monarch transactions update faster, including Fidelity Rewards Visa transactions Rocket Money could not get.

Reddit · r/MonarchMoney · 55 days ago

Says accounts disconnect regularly, budgeting takes time to get used to, especially rollover funds, and the Premium charges are annoying, but it is a nice place to view expenses and net worth.

Reddit · r/MonarchMoney · 55 days ago

Really enjoys Monarch for budget tracking, month-over-month comparisons and recurring expenses, and credit monitoring through the dashboard helped them catch a fraudulent new debt.

Reddit · r/MonarchMoney · 55 days ago

Switched from Simplifi and finds Monarch mostly better, loving merchant and category icons and receipt features, with their 401ks never disconnecting and only Target needing frequent reconnects.

Reddit · r/MonarchMoney · 55 days ago

Used Monarch for a few years, found it took forever to set up and configure, categorization was off and fixes did not stick, and it overstated their savings, so they moved to ChatGPT directly.

Reddit · r/MonarchMoney · 55 days ago

Really likes Monarch, with a strong, simple UX and most institutions staying connected, though accounts at institutions that do not connect will frustrate.

Reddit · r/MonarchMoney · 55 days ago

Calls Monarch a great aggregator for net worth and transactions with a solid core use case since switching from Mint, though slow to improve and not great for projections.

Reddit · r/MonarchMoney · 55 days ago

Likes Monarch's interface but it does not sync with their 401k, a major stopper, so they use Quicken Simplifi instead.

Reddit · r/MonarchMoney · 55 days ago

Uses Monarch as their monthly budget tool and says it does exactly what they want; they have rarely needed to reconnect, and Monarch had instructions for a forced connection reset.

Reddit · r/ynab · 55 days ago

Has used YNAB for five years and still does not really understand credit cards, fixing the amount once a month or so, but likes about everything else.

Reddit · r/MonarchMoney · 56 days ago

Still likes Monarch a lot, but the link broke with their 529 plans a year ago and Monarch has not been able to fix it.

Reddit · r/MonarchMoney · 56 days ago

Says Monarch is not perfect, with duplicate transactions at gas stations, but pretty good and the best one out there, needing little effort once set up; only a sticky mortgage account disconnects, about monthly.

Reddit · r/MonarchMoney · 56 days ago

Syncs 20+ accounts in Monarch and had some trouble early on, but after switching aggregators for the troublesome ones it has been smooth sailing, apart from one bank they cannot sync at all.

Reddit · r/copilotmoney · 57 days ago

Tested Copilot and Monarch side by side; Copilot has the superior UI but Monarch won on editable rules and hiding accounts from net worth.

Reddit · r/MonarchMoney · 57 days ago

Says Monarch is mis-categorizing credit card payments as income, and its AI help sent them on a wild goose chase, so they are moving to a Claude artifact with CSV files.

Reddit · r/ynab · 57 days ago

Finds the way YNAB handles credit cards stupid and annoying and sets them up as checking accounts that run negative, which makes everything work as expected.

Reddit · r/ynab · 57 days ago

Did not settle with the web-based YNAB after 2016 and needed an app that could also act as a detailed personal finance tool as their money situation improved.

Reddit · r/ynab · 57 days ago

Likes the transfer button and finds nothing perfect, disliking how everything is now collapsed as an extra step, but is overall still very happy with YNAB.

Reddit · r/copilotmoney · 58 days ago

Prefers Copilot's interface over Monarch but would likely stay only if it had a rules UI, which they call the most frustrating gap.

Reddit · r/copilotmoney · 58 days ago

After trying Monarch and others, calls Copilot the most refined and consistent budgeting app, though it moves slowly.

Reddit · r/copilotmoney · 58 days ago

Has tried many personal finance apps and has not found a better, simpler platform than Copilot despite its faults.

Reddit · r/copilotmoney · 58 days ago

Switched to Monarch after tiring of Copilot creating duplicate accounts, making poor rules and not communicating account connectivity problems.

Reddit · r/copilotmoney · 58 days ago

Says nothing has been changing at Copilot and is looking at alternatives before renewal.

Reddit · r/copilotmoney · 58 days ago

Prefers Copilot's look and opens it often, finding Monarch bland.

Reddit · r/copilotmoney · 58 days ago

Longtime supporter who pays for their parents' subscription, but the slow update pace and missing Android app make them look at alternatives.

Reddit · r/copilotmoney · 58 days ago

Copilot user since the beta who has really liked it, especially transactions appearing immediately for review.

Reddit · r/personalfinance · 58 days ago

Used the Aspire Google Sheet for nearly two years at 3 to 6 hours a month, then tried Monarch and found it did 90% of what they wanted, saving time and working on their phone.

Reddit · r/MonarchMoney · 58 days ago

Calls Monarch worthless because customer service is nearly non-existent, with no live chat, a guaranteed 24-hour response delay and repeated questions, and accounts can delink or duplicate without warning.

Reddit · r/ynab · 58 days ago

Dreads using a credit card because understanding what happens in YNAB is a million times harder for them, even after reading tooltips and articles.

Reddit · r/ynab · 58 days ago

Explains from experience that YNAB treats spending like envelopes: card purchases move money from the category to a credit card envelope, which turns red or yellow if the category lacks funds.

Reddit · r/ynab · 58 days ago

Allocates money based on their 12-month spending average, checks YNAB every few days rather than before each purchase, and reallocates when they overspend.

Reddit · r/ynab · 58 days ago

Looks at the YNAB app or widget every day when deciding on coffee or groceries, and recently moved money from a delivery category to coffee, showing how flexible categories help.

Reddit · r/ynab · 58 days ago

Explains how YNAB handles credit card purchases: no manual funding of the card category unless paying down old debt, and spending just reduces the category balance.

Reddit · r/ynab · 58 days ago

Set their credit card up as a bank account in YNAB instead of a credit card account and finds it way more intuitive.

Reddit · r/ynab · 58 days ago

A year into YNAB and found credit cards took barely any time to work out, saying they are not a finance person.

Reddit · r/ynab · 58 days ago

Hates how credit cards work in YNAB and sets them up as checking accounts carrying a negative balance, which works perfectly.

Reddit · r/ynab · 58 days ago

Was about to quit YNAB over credit card frustrations until they found a process to convert cards to checking accounts, which works well since they never carry a balance.

Reddit · r/ynab · 58 days ago

Could not figure out credit cards in YNAB and ended up getting rid of their credit card and using only a debit card, which they find the best thing ever.

Reddit · r/personalfinance · 59 days ago

They use Rocket Money to understand their spending, track everything and build a budget, and call it incredible and well worth the small monthly fee.

Reddit · r/MonarchMoney · 59 days ago

Copilot's Amazon integration asked to reconnect every 2-3 days, which was annoying, so they are moving to Monarch.

Reddit · r/MonarchMoney · 60 days ago

Switched to Monarch this year after spreadsheets since Mint died, with over 20 accounts, and constantly has to reconnect accounts, questioning whether it is worth renewing.

Reddit · r/MonarchMoney · 60 days ago

Has over 20 accounts in Monarch and rarely has to reconnect any, with just one that cannot connect, and finds it categorizes pretty well after some time setting up rules.

Reddit · r/MonarchMoney · 60 days ago

With 68 accounts across 10 institutions, has had only a couple of frequent disconnects in three years, and says Goals 3.0 made Monarch a complete solution, worth more now than ever.

Reddit · r/MonarchMoney · 60 days ago

Finds Monarch worth it as an aggregator; with 28 accounts they have not had to reconnect any in about a year, and categories are right about 90% of the time, needing five minutes a week of review.

Reddit · r/MonarchMoney · 65 days ago

Replaced an Excel cash flow projection with a Copilot dashboard, and says Monarch otherwise does just about everything they need.

Reddit · r/MonarchMoney · 65 days ago

Tried Monarch and did not like it, and was surprised how much better they found Quicken Simplifi.

Reddit · r/copilotmoney · 66 days ago

Switched to Android and says Copilot is the only thing they miss about iOS.

Reddit · r/ynab · 67 days ago

Says YNAB does not just track spending but helps budget it, and though price increases make them grit their teeth it pays for itself over and over, helping them save aggressively.

Reddit · r/ynab · 67 days ago

Says YNAB answers where the money is going and whether they have enough available to buy something, the second being where it shines, using a category rather than the bank balance for gadget purchases.

Reddit · r/ynab · 67 days ago

Says YNAB's benefit after debt is the same, a plan for spending, so the momentum continues while their money builds wealth for them instead of paying lenders.

Reddit · r/ynab · 67 days ago

Finds YNAB gets wonky when they overspend in one category while holding large cash balances, adding the overage as an extra credit card payment on top of the activity, so they must be diligent.

Reddit · r/ynab · 68 days ago

After tripling their income, uses YNAB to prevent lifestyle creep, with savings goals for home improvements, travel and a vehicle, and to keep a rotation of 15+ credit cards under control.

Reddit · r/ynab · 68 days ago

Plans to keep using YNAB after getting out of debt to plan vacations and larger projects.

Reddit · r/ynab · 68 days ago

Found YNAB only after retiring and finds it amazingly helpful, having stopped spending too much on frivolous things.

Reddit · r/ynab · 68 days ago

Uses YNAB to control lifestyle creep, knowing that without a plan for their dollars they would spend impulsively, and finds a budget worth having to guide what is next after paying off their house.

Reddit · r/ynab · 68 days ago

Retired for six years and uses YNAB daily to track expenses and manage funds, finding it one of the easier ways to track expenses.

Reddit · r/ynab · 68 days ago

Has no debt and a paid-off mortgage, but finds YNAB, unlike a spreadsheet, is not after-the-fact tracking, helps with retirement goals and lifestyle creep, and will always use it unless they screw it up.

Reddit · r/ynab · 68 days ago

An early-career high earner who still gets a lot of value from YNAB for spending and saving thoughtfully, and also tracks tax-advantaged savings and net worth with a self-hosted extension for financial independence forecasts.

Reddit · r/ynab · 68 days ago

With well-established buckets they sometimes forget to enter spending right away, so auto sync helps them stay on track since their wife, who does not use YNAB, spends from buckets set aside for her.

Reddit · r/ynab · 68 days ago

Had never had consumer debt and had a funded emergency fund before YNAB, has used it for over ten years not to track but to plan, glancing at categories before they spend.

Reddit · r/ynab · 68 days ago

Has tracked every penny for 30 years, finding Excel a part-time job and YNAB cutting the time by about 75 percent, so well worth the cost.

Reddit · r/ynab · 68 days ago

A data person who mainly uses YNAB for budget tracking and optimization, enjoying seeing where money goes and finding the Chrome and Beyond Rule 4 extensions really helpful.

Reddit · r/ynab · 68 days ago

Says YNAB got them to early retirement and they now use it in retirement, knowing exactly where money goes and finding peace of mind.

Reddit · r/MonarchMoney · 69 days ago

Says Monarch can handle paycheck-to-paycheck planning with the recurring feature, which is not perfect but lists income and outflows by date if you filter the view to your bank account.

Reddit · r/MonarchMoney · 70 days ago

Says paycheck-by-paycheck zero-based budgeting is exactly what YNAB excels at and what Monarch does not, noting the two tools are good at very different things.

Reddit · r/ynab · 70 days ago

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 · 71 days ago

Has used YNAB for six years and says it helped a lot, to the point of treating it as the source of truth over the bank account, but discovered a credit card shortfall they had not realized.

Reddit · r/ynab · 71 days ago

Started YNAB last year deep in credit card float and a little over a year later is covered ahead and saving every month for big goals.

Reddit · r/ynab · 71 days ago

Finds YNAB asks for a category on each expense and moves money from the category to the credit card automatically, which they see as proactive and good.

Reddit · r/ynab · 71 days ago

Finds the positive credit card balance situation after a refund annoying to figure out and still does not know how to handle it properly, so fiddles until categories look okay.

Reddit · r/ynab · 71 days ago

Thinks it is a big design issue that YNAB barely alerts you to credit card overspending, only changing the color of one tiny label, and that a notification or color change on Ready to Assign is needed.

Reddit · r/ynab · 71 days ago

The biggest realization on joining YNAB was that they were always a month behind, spending money they did not have, so they funded next month from their emergency fund and slowly rebuilt it.

Reddit · r/ynab · 71 days ago

Still double-checks bank accounts against YNAB a few times a week and finds nine times out of ten everything is tracked to the penny; reconciles when it is not.

Reddit · r/ynab · 71 days ago

Reconciles weekly and says YNAB tells you exactly where you are.

Reddit · r/ynab · 71 days ago

Says they never understood how to use credit cards in YNAB.

Reddit · r/ynab · 72 days ago

Has used YNAB with their partner for four years and says manually approving transactions is a main source of its peace, forcing them to look at where money went each week.

Reddit · r/DaveRamsey · 73 days ago

Tracks monthly transactions and updates numbers reliably across a full year of use, though the new month-end 'close out' prompt is confusing if you prefer keeping over/under balances visible.

Reddit · r/ynab · 74 days ago

They were used to Rocket Money, which simply follows their spending and gives them data about it, and found the switch to a zero-based tool confusing with their many linked bank accounts.

Reddit · r/ynab · 74 days ago

After moving to YNAB they consolidated most accounts and run two budgets, one for everyday spending and one for long-term goals, and say they now plan and save better than ever.

Reddit · r/ynab · 74 days ago

They run YNAB across many accounts without trouble, saying it works fine for them and that transfers between accounts are picked up easily.

Reddit · r/MonarchMoney · 77 days ago

Switched from Quicken earlier this year after a 30-day parallel test, with no connectivity issues, big recent improvements such as better custom reporting, and a lower cost than Monarch.

Reddit · r/MonarchMoney · 77 days ago

Just started Monarch and likes it overall but has hit several rough edges they did not expect from experienced creators, and may investigate alternatives.

Reddit · r/MonarchMoney · 78 days ago

Bank connectivity works well, but the interface feels clunky, and it gets used constantly for managing a parent's finances.

Reddit · r/MonarchMoney · 79 days ago

Got Monarch when they retired and checks daily, but with connecting and sync problems and renaming and category issues will likely cancel before the subscription ends.

Reddit · r/ynab · 79 days ago

Used YNAB for about four years and found a free spreadsheet a better option for them.

Reddit · r/ynab · 80 days ago

Was really happy with YNAB but switched about a year ago to a similar alternative because it was getting too expensive.

Reddit · r/ynab · 80 days ago

Relies on YNAB because they are low-income, but when the subscription renewed they almost cried at how expensive it has become.

Reddit · r/ynab · 80 days ago

Found YNAB's credit card handling maddening, with accounts always slightly off even when reconciled correctly, apparently because of transaction timing, and left for another app.

Reddit · r/ynab · 80 days ago

Has over a decade of data in YNAB and often cannot edit targets without an error, and says support's answer was that they have too much data and should start a new budget; also tired of price increases.

Reddit · r/ynab · 80 days ago

After six years with YNAB, is moving to a free manual-sync budgeting app, since they have no debt and basic expenses.

Reddit · r/ynab · 80 days ago

Never left YNAB4 and still uses it daily, entering purchases on the desktop version because the app link was clunky, and refused to pay monthly for something they already owned.

Reddit · r/ynab · 80 days ago

Hates software subscriptions and says YNAB is not worth 130 a year, planning to go back to a spreadsheet if the price rises again.

Reddit · r/ynab · 80 days ago

Has used YNAB since it was a one-time purchase, but price hikes and bank sync working only about 10% of the time with their bank mean it is no longer worth the cost.

Reddit · r/ynab · 80 days ago

Likes how YNAB handles credit cards they are intentionally carrying a balance on, with a dedicated payoff category that automatically accounts for new transactions, useful during zero-percent financing.

Reddit · r/ynab · 80 days ago

Used YNAB for about three years but calls the latest price increase exorbitant and can no longer justify it, so is considering building their own zero-based budgeting web app.

Reddit · r/MonarchMoney · 83 days ago

Spent three years raising issues about Monarch's sophistication and says it will not have the level the commenter needs for reporting, so they switched back to desktop Quicken.

Reddit · r/MonarchMoney · 84 days ago

Chose Monarch because it was legitimately good compared with other available tools, and got a year for about 50 dollars through an offer.

Reddit · r/personalfinance · 85 days ago

Calls Monarch hands down the best for them after trying all the alternatives, though they note the experience will not be the same for everyone.

Reddit · r/personalfinance · 85 days ago

Says YNAB has you plan in advance to spend only the money you have right now, instead of other budget apps that tell you what you already overspent, and calls YNAB the best.

Reddit · r/copilotmoney · 86 days ago

Loves Copilot but notes Amazon sync never works and development is slow.

Reddit · r/personalfinance · 87 days ago

Finds Monarch good for households with multiple people, since they and their partner share some expenses and not others and can easily see cash flow for different accounts or cards.

Reddit · r/personalfinance · 87 days ago

Left YNAB for ZeroSum after trying the Monarch free trial first and hating it, saying Monarch could not do the most basic things they wanted.

Reddit · r/personalfinance · 87 days ago

Says Monarch looked prettier than YNAB but felt super limited by comparison; they are new to YNAB and it is working so far.

Reddit · r/personalfinance · 87 days ago

Tried to move from YNAB to Monarch but found other apps did not budget well, offering suggestions where YNAB forced them to fix underfunded categories; YNAB is annoying but nothing beats it.

Reddit · r/personalfinance · 87 days ago

Likes Rocket Money fine as a replacement for Mint but is unsure it would be a good replacement for YNAB.

Reddit · r/personalfinance · 87 days ago

Really enjoys Monarch for tracking and reporting as a more hands-off general financial picture, though they found ZeroSum and YNAB best for budgeting.

Reddit · r/personalfinance · 87 days ago

Uses Monarch and has been very happy with it.

Reddit · r/personalfinance · 87 days ago

Has used Monarch for a few years and is very pleased with it, recommending it as a YNAB alternative.

Reddit · r/personalfinance · 87 days ago

Says Rocket Money has served all their needs since Mint died.

Reddit · r/MonarchMoney · 88 days ago

Had connection failures all the time with Quicken Simplifi and says Monarch's connections are working daily.

Reddit · r/personalfinance · 88 days ago

Used YNAB for about a year and says the platform helped them, but is now open to trying other personal finance apps and asked for suggestions from people who switched.

Reddit · r/personalfinance · 88 days ago

Has used Monarch for about three months after YNAB and says it has been great so far, giving it a plus one as a YNAB alternative.

Reddit · r/ynab · 89 days ago

A developer with plenty of cash who still uses YNAB for its data and API, auto-importing everything and using it mostly as a budget tracker focused on pulling more money into investments.

Reddit · r/MonarchMoney · 90 days ago

Had hopes for Monarch as a Mint replacement but is reevaluating that decision, possibly going back to Quicken since they just want the basics.

Reddit · r/MonarchMoney · 90 days ago

After almost three years with Monarch, says the product has gotten worse and the current cash flow home page is much better than the new reports page.

Reddit · r/MonarchMoney · 90 days ago

Uses Monarch as an overall tracker rather than a budget tool, and with everything in one place can see the graphs and feels positive about their financial future.

Reddit · r/MonarchMoney · 90 days ago

After Mint shut down tried Copilot Money, Simplifi and Monarch and liked Monarch for the aggregation, no ads thanks to the subscription, the partner feature for a spouse, and new transaction notifications.

Reddit · r/MonarchMoney · 90 days ago

Used Mint for over a decade and says Monarch is like Mint but better, so spending 100 dollars on it was super easy.

Reddit · r/MonarchMoney · 90 days ago

Found a year of Monarch worth the money and mostly likes the interface, but says it has a fundamental philosophical flaw incompatible with how they manage money, so they will switch when the subscription ends.

Reddit · r/MonarchMoney · 90 days ago

Was about to retire with no idea of their monthly spend, started Monarch on the 50 dollar promo, and says connecting accounts and setting up a budget has been extremely helpful for seeing monthly cash flow.

Reddit · r/MonarchMoney · 90 days ago

Says Monarch pulls transactions from all institutions so their only job is categorizing, and the time savings are well worth the price, with sharing easier than a shared spreadsheet.

Reddit · r/MonarchMoney · 90 days ago

Joined when Mint shut down and juggles eight credit cards for rewards; says Monarch had the most reliable integrations, though it was debatable whether it was worth it after the promo rate ended.

Reddit · r/MonarchMoney · 90 days ago

Needed a tool to understand family monthly spend and compare time periods, and says Monarch does this very well, with filtering and off-the-shelf reports that do exactly what they need.

Reddit · r/ynab · 90 days ago

Just bought a second home and says YNAB could not be more useful, helping them fund trips, retirement and paying off the new mortgage early.

Reddit · r/MonarchMoney · 91 days ago

A Mint user from the start who found Mint borderline unusable at the end; says Monarch is a lot better on connections, though criticism of half-baked features is warranted.

Reddit · r/ynab · 91 days ago

Started YNAB over seven years ago while preparing to buy a first home with little margin, loved it and proselytized it, but has been annoyed by recent changes and wonders whether they still need it.

Reddit · r/ynab · 91 days ago

Stopped YNABing when income rose and was fine for a few years, but without regular tracking bad habits crept in and overspending went unnoticed until a run of big expenses brought them back.

Reddit · r/ynab · 91 days ago

Five-plus years in and self-proclaimed ninja-level YNABers, using it daily and following the method closely, and cannot imagine doing their finances without it.

Reddit · r/ynab · 91 days ago

Switched to Actual Budget after years of YNAB and is very happy with it.

Reddit · r/ynab · 91 days ago

Says their family does not technically need it anymore but cannot imagine not having YNAB-style money management, since checking category balances makes decisions about vacations, a car and other goals easy.

Reddit · r/ynab · 91 days ago

Likes knowing they have enough in specific categories for a car, job loss, vacation and a home insurance deductible, and YNAB helps them live on 60% of income despite uneven earnings.

Reddit · r/ynab · 91 days ago

Has taken breaks from YNAB but always comes back because they like knowing spending aligns with their priorities, such as consciously adding to dining out for a date night.

Reddit · r/ynab · 91 days ago

Says YNAB keeps them grounded with spending and tracks where the money went, and thinks it is a great tool no matter how secure your finances.

Reddit · r/ynab · 91 days ago

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/budget · 92 days ago

Has used YNAB for five years and finds its shortcoming is long-term planning when months differ, so keeps an annual budget in Google Sheets and assigns money from it each month.

Reddit · r/ynab · 92 days ago

Has had YNAB for over a decade but used about 5% of its potential, and is just learning preset and custom views, unlinked accounts, targets, auto assign and the month-ahead concept.

Reddit · r/ynab · 93 days ago

Says it takes a while but their wife could now run YNAB on her own and even set up a friend with only a few confirmations.

Reddit · r/ynab · 93 days ago

Is a planner and perfectionist for whom YNAB and the bank must match one to one, so an emergency fund shown in YNAB has to match the bank exactly.

Reddit · r/budget · 94 days ago

Has used YNAB for years and it shows what they have spent, but they struggle to use it for future planning and spend their time reassigning money after the fact to match actual spending.

Reddit · r/ynab · 94 days ago

Has used YNAB for almost two years, but their wife is still not a fan, as questions about how much they saved in a month turn into a back-and-forth about categories.

Reddit · r/ynab · 94 days ago

Learned YNAB inside and out using ChatGPT, dropping in screenshots and asking questions, which they find remarkable.

Reddit · r/ynab · 95 days ago

In their second year of paying for YNAB but does not use it, thinking they are too unorganized for it or that it is too complicated for them, with three bank accounts to manage.

Reddit · r/personalfinance · 96 days ago

They use Rocket Money to track subscriptions, monthly spending and budgets, and find it fine for the low price. They dislike its inconsistent detection of PayPal purchases and want more customization.

Reddit · r/copilotmoney · 98 days ago

Mint refugee who thinks Copilot is the best app for what they used Mint for, though feature development is slow.

Reddit · r/copilotmoney · 98 days ago

Long-time Copilot user who is generally very happy, though betas have taken months to arrive.

Reddit · r/copilotmoney · 98 days ago

Has used Copilot for over two years with a spouse; it organizes finances, looks nice and works well.

Reddit · r/ynab · 99 days ago

Says it is not the cost but changes that add steps, with things that took one click now taking two or three, plus the headache of relearning new workflows for a single transaction.

Reddit · r/ynab · 102 days ago

Tried Zerosum, loved it, and within three days ditched their YNAB subscription after thirteen years of using it.

Reddit · r/ynab · 103 days ago

An original YNAB evangelist from its spreadsheet days (2004-2005) who just canceled and, within a week of trying a free alternative, found their budget happy place again.

Reddit · r/ynab · 104 days ago

Is leaving YNAB although they love it, since manual entry is time consuming and one wrong number throws the account off, and it would not sync to one bank after everything they tried.

Reddit · r/ynab · 104 days ago

Did not renew and got a refund from YNAB for their unused subscription time.

Reddit · r/ynab · 104 days ago

An original downloadable-software user who lasted through the first web subscription price hike and then left, finding the company money hungry while offering a lesser product than the software ever provided.

Reddit · r/ynab · 104 days ago

Used YNAB 4 for years and could not justify paying monthly for budgeting software after the subscription switch, staying on YNAB 4 until moving to Actual Budget and importing their budget without issues.

Reddit · r/ynab · 104 days ago

A subscriber since around 2019 who is still really happy, understanding that people dislike some changes but finding it still serves its purposes and is worth the price.

Reddit · r/ynab · 104 days ago

Let the subscription lapse after being with YNAB for eight or nine years and switched to Liquid Budget.

Reddit · r/ynab · 105 days ago

Says it took about 8 years to get comfortable reconciling once a day, and that YNAB has changed their relationship with money and budgets for the better.

Reddit · r/ynab · 105 days ago

Says YNAB would be better if it let users set a weekly or quarterly planning cadence rather than locking the plan to a calendar month, though they reconcile accounts weekly, monthly or quarterly.

Reddit · r/ynab · 105 days ago

A YNAB user since YNAB4 who relied on scheduled and recurring transactions showing as already spent in category balances, so sees dropping that as a mistake and a loss.

Reddit · r/ynab · 105 days ago

Uses many cards for points and says YNAB's credit card functionality is so important that they have not found anything else that does the same.

Reddit · r/ynab · 105 days ago

Switched to Actual many months ago and regrets not doing it sooner; would have stayed if YNAB had done nothing, but it charged more for a worse product and kept downgrading the UI.

Reddit · r/ynab · 105 days ago

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 · 105 days ago

Has used YNAB for about a decade, says the added features do not get in the way and the core functionality they use weekly has kept working the same, and is teaching their teenager to use it.

Reddit · r/ynab · 105 days ago

Worried at first that the web-based nYNAB seemed shifty, but it actually turned out to be way better than the old YNAB for them.

Reddit · r/ynab · 105 days ago

Has used YNAB for about a year and a half with a partner, noticing increasingly annoying UI changes and telling YNAB so, but is still glad they picked it for the zero-based envelope system.

Reddit · r/ynab · 105 days ago

Has been a YNAB user for three years and is still really happy, knowing exactly where their money is, and has never seen the book ads people complain about.

Reddit · r/ynab · 105 days ago

Enters transactions manually because credit card spending is slow to show in the app, but loves YNAB, finding it eye-opening how fast money depletes from envelopes and more cognizant of spending.

Reddit · r/ynab · 105 days ago

A seven-year user with zero issues who says changes never got in the way of their work, and that although the price is high, YNAB keeps them in check and saves money indirectly.

Reddit · r/ynab · 105 days ago

On YNAB since 2018 and fully moving to Zerosum, saying the move is more about being done with YNAB and sharing the same complaints as others than about what Zerosum offers.

Reddit · r/MonarchMoney · 106 days ago

A finance professional who finds apps often miss the mark but says Monarch is the best thus far.

Reddit · r/MonarchMoney · 107 days ago

Hit a bug duplicating every Amex transaction across two cards on one account and says engagement with Monarch support has been mostly deflective rather than solving problems.

Reddit · r/ynab · 107 days ago

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 · 107 days ago

Canadian RBC client says that since banks require 2FA on all accounts, YNAB no longer stays connected, so they reauthorize every day, adding about two minutes.

Reddit · r/ynab · 108 days ago

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 · 109 days ago

Is saving over a hundred a year switching from YNAB to Budget Friendly Budget, which works the same for them, since they could never link accounts yet still paid for that unusable feature.

Reddit · r/ynab · 109 days ago

Uses YNAB's web version mostly, but lack of a Fidelity connection forced them to track only one bank account in YNAB, which defeats the purpose.

Reddit · r/ynab · 109 days ago

Tried Monarch after hitting YNAB's Fidelity limitation and did not like it at all.

Reddit · r/ynab · 113 days ago

Used YNAB to their satisfaction for a couple of years, but the UI changed and support became very hard to reach, paying 110 euros a year to get an AI chatbot with support hidden away.

Reddit · r/ynab · 113 days ago

Says YNAB helped them so much and they are thankful and still use it, but the repeated price rises make it difficult to justify.

Reddit · r/personalfinance · 117 days ago

They like Rocket Money for tracking finances, calling even the free version pretty great, and pay for the upgrade because it has helped them catch faulty charges worth more than its yearly cost.

Reddit · r/MonarchMoney · 117 days ago

Has 15 Ally accounts that all work perfectly in Monarch.

Reddit · r/personalfinance · 121 days ago

Started Monarch a few months ago; it mostly does what it needs to but the AI features can be wonky, and server-side AI has changed categories they set manually.

Reddit · r/personalfinance · 121 days ago

Has used Simplifi for a year and really likes it, saying it is not free but does a great job of keeping track of everything in one place.

Reddit · r/ynab · 121 days ago

After seven years, says every YNAB UI update has made them less thrilled to use it, adding several taps to transfers and wishing they could revert to older UI versions.

Reddit · r/ynab · 122 days ago

Has waited several years for the web app to offer Monday as the first day of the week despite requesting it, sees frequent updates for less important things, and will probably not renew, with Zerosum gaining ground.

Reddit · r/ynab · 122 days ago

Wrote in to YNAB to complain that a key transaction field is hidden behind a show-more screen despite being one of the most integral parts of the app.

Reddit · r/ynab · 122 days ago

Would be happy if YNAB did nothing and charged only server costs, saying the constant updates, social media and mission are unwanted and the app was basically perfected years ago.

Reddit · r/ynab · 122 days ago

A ten-year user who finds complaints about price overly dramatic but the new transaction interface truly horrid, with a photo above the fold and no easy inflow/outflow toggle; still loves the framework and web app.

Reddit · r/ynab · 122 days ago

Still recommends YNAB to friends, having used it so long through a formative part of adulthood that they are unsure how they would manage finances without it.

Reddit · r/ynab · 122 days ago

Thinks YNAB was basically perfect ten years ago but now tinkers constantly to justify expenses.

Reddit · r/ynab · 122 days ago

Despite complaints about the UI changes, really appreciates YNAB's server responsiveness, seeing entries show up right away on the web.

Reddit · r/ynab · 123 days ago

They use YNAB and, after seeing constant Rocket Money ads, were glad their budgeting app already shows them exactly which subscriptions they have.

Reddit · r/ynab · 123 days ago

Says nearly every month brings tweaks to the Android UI that only add taps and confusion and break years of muscle memory, wondering if this is what the higher price pays for.

Reddit · r/ynab · 123 days ago

Has seen plenty of changes since starting YNAB in 2014 but finds the latest mobile redesign one of the most jarring and is not a fan.

Reddit · r/ynab · 130 days ago

Tried Monarch but switched to YNAB because Monarch was far more difficult to start and use.

Reddit · r/ynab · 134 days ago

Uses both and sees Monarch as an expense tracker with good tags and reporting, but has to reconnect their bank regularly and accounts update much faster in YNAB.

Reddit · r/MonarchMoney · 135 days ago

They chose PocketGuard over Monarch because it gave same-day transaction updates for their Wells Fargo and Bank of America accounts, while Monarch lagged several days behind.

Reddit · r/MonarchMoney · 135 days ago

They loved Monarch's interface but, during the trial, their Wells Fargo and Bank of America transactions had not updated for days despite reconnecting, which made it a dealbreaker.

Reddit · r/personalfinance · 136 days ago

They used Tiller for about three months to identify their spending patterns while working to get their finances back in order and reduce debt.

Reddit · r/sofi · 136 days ago

Refreshing SoFi accounts used to be possible every four hours, but now shows a wait of 20+ hours between syncs; they hope it is a bug and worry about moving more assets.

Reddit · r/MonarchMoney · 136 days ago

Says the official Monarch MCP works great with the Hermes Agent, compared to the unofficial CLI and MCP tool they used before, and wishes for a CLI wrapper.

Reddit · r/ynab · 136 days ago

Says Monarch is good at a historical look back at spending but cannot answer how much spare cash remains after money set aside and debts, which is why they see YNAB as the source of truth.

Reddit · r/ynab · 137 days ago

A month into Monarch after moving from YNAB, finds the new goals pretty good, likes split finances for partners and the transaction review and rules, but notes it is a step away from giving every dollar a job.

Reddit · r/ynab · 137 days ago

Long-time YNAB user who started a Liquid Budget trial after the news, finds it awesome with a responsive creator, and never thought they would leave YNAB.

Reddit · r/ynab · 138 days ago

Moved the household to Actual Budget after growing tired of YNAB enforcing certain rules and its credit card handling, and cancelled at the right time.

Reddit · r/ynab · 138 days ago

Thinks the renaming of Budget to Plan was a downfall, is incredibly disappointed in YNAB for the last few months, and will likely end their subscription.

Reddit · r/ynab · 139 days ago

After paying for YNAB for years decided this year to build a clone, and has done the same for two other paid apps.

Reddit · r/ynab · 139 days ago

Left YNAB for many reasons and says how the company treated a longtime educator would alone be enough, finding it disgusting.

Reddit · r/ynab · 139 days ago

Runs Actual Budget on an existing Raspberry Pi for under fifteen dollars a year, but still uses YNAB because their wife has it dialed in, knowing they can switch at any time.

Reddit · r/MonarchMoney · 140 days ago

Says they literally never have connection issues with Monarch.

Reddit · r/ynab · 140 days ago

Out of all YNAB's content, only watched one educator's videos and is looking forward to what she does next.

Reddit · r/ynab · 140 days ago

Subscription only just renewed, so they are stuck for a year, but are definitely moving away from YNAB.

Reddit · r/ynab · 140 days ago

Likes that YNAB refunds annual subscriptions if you leave part way through the year.

Reddit · r/ynab · 140 days ago

Is extremely patient with the UX changes, book promotion and price increases, but the layoffs give them serious pause, as they liked that YNAB seemed to care about its people.