<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > We Have YNAB 4, But...

We Have YNAB 4, But...

January 10th, 2019 at 09:51 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!

Posted in Budget | 5 Comments »

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

  1. AnotherReader Says:
    January 10th, 2019 at 11:35 pm 1547163350
    1547163350

    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:
    January 11th, 2019 at 12:39 pm 1547210374
    1547210374

    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:
    January 11th, 2019 at 02:02 pm 1547215371
    1547215371

    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:
    January 11th, 2019 at 06:07 pm 1547230064
    1547230064

    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:
    January 17th, 2019 at 03:33 am 1547696025
    1547696025

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

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]