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We Have YNAB 4, But...

January 10th, 2019 at 01:51 pm

maybe not for long! I've noticed for awhile that I can't update my budget on my phone. My husband seems to have no problem and I usually use the desktop version.

I originally got YNAB 4 in September 2015. I think we paid $50 (maybe $60) for it. So we have used it daily for over three years and it's been great. Sometime in 2016, YNAB changed and went to an annual fee. And along the way YNAB stopped updating their old version and they no longer have an option to download that version of the app.

I now need to decide if it is worth trying the latest version for $83.99 per year OR find another free alternative. Anyone here use Personal Capital? If so, did you ever use YNAB and can compare the two? How about EveryDollar?

I remember the days when I only used a checkbook and notebook paper to figure out our budget! And that was free. I'm not a big Excel person, so I'm not going that route. But I'm not going back to pen and paper either!

I do like YNAB, I just like to think through things that become an annual fee!

5 Responses to “We Have YNAB 4, But...”

  1. AnotherReader Says:

    Personal Capital categorizes spending but does not create budgets. I don't think it would do what you want. It's good for tracking spending and investments.

  2. Debt-free by Thir-ty Says:

    You should check your account to see what it costs to upgrade. I think you would be grandfathered in at one of the older tiers since you had YNAB4. I pay $50 (totally worth it to me!). I think the oldest customers only pay $45.

  3. creditcardfree Says:

    Thank you Debt-free! I didn't think about that. It looks like I would qualify for a 10% lifetime discount making it $75.59 per year. If I converted sooner, I probably would get the rate you have. My procrastination cost me! I'm leaning towards doing it.

  4. Debt-free by Thir-ty Says:

    I would do it even at the $85/year (or whatever it is these days). I looked it up again, and you did have to sign up for the nYNAB trial at that time to be grandfathered in at the old price. Even so, I think it's worth it. I'm not sure if it was the timing or new features, but it didn't really click with me until I was on the web-based version. I'm sure whatever you end up deciding, you'll continue crushing your Big Goal!

  5. frugaltexan75 Says:

    I'm late to the post, but even with its faults, nYnab is the best budget program out there.

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