There’s a tiny bit of lag akin to using a GoogleApps spreadsheet, but largely it’s solid. Entering transactions manually is a snap. It’s very easy to get around to what you need. Some folks have griped about the web app layout, but honestly, I haven’t had any issues. Someone WILL have an answer to your question or be able to help you out. If you are just starting to get your financial life in order, this is honestly the most user-friendly place to start. Oh, and the developers (devs) prowl around the forums too. And if you don’t find what you’re looking for there, the forums will surely have an answer. YNAB offers an unprecedented amount of free budgeting advice on their website. This goes first in caps because honestly, it’s ridiculous. Consider our perspective when reading the following. We used YNAB as a buffer-builder and efficiency enhancer. We planned ahead using Microsoft Money in the old days, always paid off our credit cards each month (excepting the rare military move where we weren’t reimbursed immediately), and have very little debt (a couple of hundred bucks remaining on a ridiculously low-interest car payment…0.39%).
#Ynab vs ynab 4 full#
Mint can do this as well, I believe … The full web layout doesn’t really work that well on phone screens but is OK on tablets.īefore I move on to the goods, a disclaimer: my spouse and I were largely responsible and financially savvy prior to becoming YNAB users, so there is some “ slant” (try 1:09 into the clip) to this write-up. They won’t really be a part of this review, just know that if you become a user / multi-user household, such as us, you’ll be able to keep your data synced no matter what platform you are on. The mobile versions vary in their stability (I’ve used them all), but in general work very well. There are mobile versions available that sync across platforms for all major operating systems, and it works in any mainstream browser. If you refer friends, of course, you start earning discounts. And before the haterade (as the kids say) starts with the Micro$oft this and Adobe that: chill out.
#Ynab vs ynab 4 trial#
There is a full-featured trial period, an entire year if you are a student, however ultimately you will end up paying if you keep using it. Like most developers nowadays, they have moved to a subscription based model.
#Ynab vs ynab 4 download#
There are a couple of things new users should know:ġ) YNAB 4 (mobile app now labeled YNAB Classic) was the last version of a flat-rate, download and own piece of software. I won’t rehash the entire YNAB culture but I will compare it to it’s nearest (and free) competitor Mint … While Mint is very good at certain things, YNAB is definitely geared toward the day-to-day average consumer who wants to get their spending in order quickly, potentially for an entire household. Bottom Line Up Front (BLUF – as we say in the military): it has “saved” me literally thousands of dollars that would have otherwise not had a job, which is one of the tenants of YNAB. I have been using YNAB almost daily for two and a half years. In any case, I edited a little to de-nerd it for us ‘laypeople’, but otherwise all the themes are his own completely unprompted by me ….
#Ynab vs ynab 4 software#
Although I guess jets are more software than hardware these days, so maybe it makes sense.
![ynab vs ynab 4 ynab vs ynab 4](https://m.media-amazon.com/images/I/51Kd-K2fIZL.jpg)
It is hard to believe he flies in fighter jets for a living. But at points within the article, he does geeks out on software I can’t believe Brother Grumpus does this since.
![ynab vs ynab 4 ynab vs ynab 4](http://www.beingfrugal.net/wp-content/uploads/2012/07/ynab4_account_reconcile.jpg)
Which is ok these days since the nerds will apparently inherit the Earth.
![ynab vs ynab 4 ynab vs ynab 4](http://personalfinancesoftwarereviews.com/wp-content/gallery/ynab-4/expandable-window.png)
I present you here the first guest author for the Grumpus Maximus blog! Now I must warn you that Grumpus Brotherus is a nerd … I mean N-E-R-D. Instead of editing the material down to a paragraph to fit my article, I decided to give him his own post. Remember how I said Grumpus Brotherus had used You Need A Budget (YNAB) for years? Well, when I asked him to write a paragraph for my Track Your Money post, he sent an entire post’s worth of information back.