But is all the hype true? YNAB is priced in US dollars. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. They have no phone number, only email. (The old version continues to be licensed, but there's a time limit on support.) If I could afford it I totally would! The yearly cost of the new one is almost as much as the lifetime cost of the old one. At 30 quid a year, i.e. purchase a subscription. I know this isn't ideal, but you may find that it's worth the extra subscription to run your business budget with your business partners in a completely different account. (It’s seriously slick, you should try it.). YNAB states their infrastructure is built on Heroku. YNAB Review 2020 – Yes, You Need A Budget! You Need a Budget (YNAB) is subscription-based budgeting software available both on desktop and mobile devices. We are offering a lifetime 10% discount for existing YNAB 4 users. On average, new users save $600 in the first two months, and more than $6,000 in the first year. I started with YNAB in 2011 and I only upgraded to the subscription last year as I predominantly use Apple. Does bank import work for non-US/Canadian banks? and we’ll set you up! At any point after subscribing, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund on your most recent subscription charge. After your free year as a college student, we’ll give you a one-time 10% discount! One-time payment, billed annually. If you’re interested, write into [email protected] with proof of enrollment—think student ID card, transcript or tuition statement (but anything that shows you are currently enrolled and includes your name, your school, and the date will do). Agree to the Terms of Service and Privacy Policy to continue. Is YNAB safe? I believe the two are completely different systems. Usage reports. Top Pro. YNAB is the best budgeting software for keeping good control over money running equally good on Mac and Windows. Mint.com is free. No questions asked. If you want to buy something different now, that's up to you. In 2013 it was the most popular personal finance software among Lifehacker readers. YNAB came out with a new version, and it’s a yearly subscription cost as it’s hosted online rather than locally (or using Dropbox) and that isn’t included in a YNAB 4 licence that you own. You Need A Budget - or YNAB for short - is personal finance software that allows users to manage their funds without needing access to months of historical data. If I can crawl out of debt and get ahead, then anyone can!”. If you subscribed directly through YNAB, changes to your subscription can be made in your Account Settings in the web app. £2.50 a month, I'm happy that this represents good value for money for me, but I suspect this will be quite controversial and I wanted to give MNers a chance to avoid the charge. Press J to jump to the feed. To quote their own words: “the subscription model was a better model for us” – No doubt. Except all that debt and stress? At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. We don’t want you to feel any anxiety about locking in that lifetime discount. YNAB charges a monthly subscription fee of $6.99 per month. Yes! You can have your plain glazed donut, which is still really delicious, but you can't eat the deluxe glazed donut with sprinkles, too. If you have gotten this far, you know you need a budget. In terms of an investment, that’s a serious return. YNAB is a household subscription, so the student trial can be applied for anyone in the home (we send a link and when you click on it the trial is applied to the account that you're logged into)! They do offer a no-risk, 100% money back guarantee if … You won’t be spending less, you’ll be spending right. It doesn't appear in any feeds, and anyone with a direct link to it will see a message like this one. By using our Services or clicking I agree, you agree to our use of cookies. Manage Your Subscription. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). Change the way you think about budgeting forever. Plus, the trial is free for 34-days so definitely worth a shot! As of this writing, Wally Gold was $19.99 for a lifetime subscription. Exchange rates are not reflected in the price. You can still download and use the version you bought as long as it will run on your computer: https://classic.youneedabudget.com/. The online budget planner includes attributes like connecting with the bank, accessing data from any devices, debt paydown, target achievement, analyzing, good customer support, and much more. Monthly funding goals? If you're a student, YNAB will give you a year free. Thank you for the links! If you need a budget but don't want to pay for You Need a Budget, this one gets you all the budgeting functionality at absolutely no cost. Follow YNAB to get support and lots of great ideas on budgeting. A discussion subreddit for popular budgeting software You Need A Budget. Many of us are big fans of You Need a Budget and around New Year we tend to get an influx of new starters as people decide to take control of their finances - very sensible. You bought a lifetime subscription to YNAB or YNAB4, not to the newer online version. Budgeting is not restrictive. Easily connect your accounts in one place. We offer more than fifteen different free workshops—things like “Create a Debt Paydown Plan” and “Saving Money On Groceries.” And we have an active community of YNABers who are happy to help new budgeters, alongside our stellar support team. Amid the coronavirus pandemic, banks and credit unions are trying to offer some relief to their affected customers. If I upgrade, is there a discount for existing users? But as you were a YNAB 4 customer you are entitled to a discount for your subscription. How do I move my YNAB 4 budget to the new YNAB? When the new version was a subscription, their transition was that if you'd purchased your v4 license within a certain period before, they gave you a corresponding amount of free time on your subscription. CountAbout. You paid for the old one, you want to use the new one. So I bought YNAB a while ago for a lifetime subscription of around 100$. Fast forward 2 years and I maintain my view that the new YNAB: It promises to help you pay off debt, save more money and create a flexible budget that makes it easy to achieve your financial goals. And, obviously, we know you need a budget. Now I know that I can stop adding to the debt, and I can even pay it off.”, I'm a self-confessed spendaholic. See More. The subscription model also changed, so it's now online and has amazing support. It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. Is the exchange rate taken into account with pricing? The latest version of YNAB is available to existing customers as an upgrade with a 10% discount. Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). YNAB offers students a free one-year subscription, and 10% off the subscription price if they renew. They even have free classes on budgeting! This was all clearly spelled out when you purchased way back when. Is YNAB free for students? 4. Do you really give college students YNAB for free? That’s my kind of company. YNAB's last version was YNAB 4, which was a desktop-based application. This review delves into what YNAB offers. That make sense, thanks for the perspective. Please note, purchasing a lifetime subscription will not necessarily cancel the auto-renewal of a current subscription so be sure to complete these steps to avoid extraneous charges. They bill you annually, though, at $83.99 per year. Related to personal finance, budgeting, money and financial matters. Also, more control and less stress. How you update your subscription depends on which platform you're using and how you subscribed. Got ‘em. New comments cannot be posted and votes cannot be cast. So, since we are all on the same page—let’s do this! You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget. Cancel anytime. I’ve learn excel pretty well since I bought the original about 4 years ago. YNAB also offers a 34-day free trial, so you can try before you buy. Your data stays encrypted the entire time. If you’ve changed email addresses or you bought YNAB 4 through Steam or another program, once you’ve started your free trial email [email protected] with proof of your YNAB 4 purchase (your original email receipt or copy of your activation key works great!) YNAB started out as a "fancy spreadsheet" as they mention in their origin story. Oh, and more than $6,000 after one year. There are some things I miss but I see why other people have lived the new changes. Re: YNAB moving to a subscription model « Reply #79 on: January 03, 2017, 12:46 AM » Also still using YNAB 4 .. if it stops working at some point I might try if Moneydance does enough for my needs, but it is highly unlikely I will pay a subscription fee for YNAB (I … Personal support and teaching, 7 days a week. Go with the new software, you won't regret it. You don't get the new deluxe glazed donut with sprinkles on them for free because your subscription was for the original plain glazed donut. No questions asked. YNAB (see our review) is an app that provides both the mechanics of monitoring your income and expenses and instructional support to help you deal with the root causes of financial distress. If you decide to cancel your subscription and delete your account, all of your data is removed from the YNAB database. Because you spend 100% of the dollars you don’t budget. The requisite warnings about giving your banking data to a cloud-based third party aside, it’s decent budgeting software. Try it free for 30 days. I had also bought YNAB4, and now I am in a trial subscription of the new online version, and I'm loving it. It is very easy and profitable to migrate and upgrade to new versions of YNAB as it offers 10% lifetime discount on upgrades. By this point, you will have saved so much money, it will be a no-brainer. If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) No, you are not justified. As a college student, what happens after my free year? I found YNAB paid for itself within a matter of weeks, and many times over in the past two years, not just in money saved and money spent more wisely, but also in peace of mind and a quietly growing financial confidence. 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