YNAB

UPD: as of Nov 2025, the most recent versions of the app are incredibly laggy - I literally see how numbers are getting slowly re-rendered; also different tabs are not synchronized and I need to independently reload them - feels like each tab needs a separate API call to load data. Can’t imagine how others live without it - the tool uncovers your real financial situation and habits, not the ones you imagine you have. Learning curve is a nightmare but totally worth it. Took us maybe a year to polish categories and rules, although we were pretty disorganised family with chaotic finances. Support and docs are good and helpful. It can only be better with a self-hosted version and a perpetual license.

the app was amazing until the introduction of the new UI there's 0 overview and in general too much visual clutter. Simplicity is king, unfortunately new update made it unusable. The App did not need a redesign, there's no way to defend this and nothing to get ysed to, this was just a terrible product choice you should fire your product & ux people, this is an unacceptable change for such a simple app

since the last update I am missing the balance overview in spending. it is not very helpfull to go in accounts and then to click ob a special account to see the balance. more necessary in spending - best would be the option to switch throuh accounts or set a fav. account.. besides that it is still quite usefull cause "we all need a budget" ;)

Used to be perfect budgeting tool shifting your mindset to giving every dollar a task. Now it has turned into unusable app. Opens on a home screen filled with videos instead of the budget. All selections have changed in the menu so with each change buttons shift and with each update you have to figure out again where everythings has ended up. It used to be clear overview of outgoing and incoming money and now it is a mess and takes me longer to master app wasting my time to understand my financial situation. Do not recommend at this pricepoint anymore.

YNAB changed my relationship with money. That doesn’t mean I no long have any stress or problems related to money, but I do feel like I have a much improved ability to be realistic with my spending and saving, which leads to me seriously saving money over the long term! It’s become a part of my daily routine. I notice that even though I’ve been using it for a year or two now, I continue to learn new things and improve my budget, which leads to more savings and less stress. I recommend it to all my friends and family!!! Thanks YNAB!!!!

Through this app I achieved piece of mind that I have enough money for regular non-monthly expenses. It also helps me feel calm, that I have enough money for everything I spend on, even if the balance on the account looks tight. 😌 Thanks for this awesome app and the regular updates like the Spotlight feature. 🤩