YNAB

Auch wenn die App nicht günstig ist, ist das gesamte Konzept, das dahintersteckt, meiner Meinung nach super geeignet, um seine Finanzen nachhaltig in den Griff zu bekommen. Ich benutze YNAB seit nunmehr 3 Jahren und konnte mit der App eine 180 Grad Wendung vollziehen. Deutlich besser als alle automatisierten Apps, die vielleicht dabei helfen zu sehen in welchen Kategorien das eigene Geld versinkt, aber eben nicht gut geeignet sind, den Nutzer auch hin zu einem guten Umgang mit Geld zu „erziehen“.

Used to love YNAB and have been using it since v4. When they introduced their subscription model, I easily swallowed that pill because it was a great tool for me. But it‘s getting very frustrating to use nowadays with new design changes every month. Information and features that where easily accessible now require 3 or 4 taps. The whole report section used to be great, but doesn’t „reflect“ anything anymore ever since the designers messed that up a year ago. It’s just frustrating to see that a once beloved app is getting worse just for the sake of their designers‘ egos. Oh yes and I contacted them via their help email address. Yes I did join their RC TestFlight group. Yes I gave feedback. And no it didn‘t matter nor made it any difference.

The app sometimes doesn't save the categories. As a result, you sometimes have to re-enter everything the next day. Please fix this bug.

In the latest UI update, the app truncates Payee strings/bank import details. That makes it impossible to categorise transactions. With a lot of PayPal and Apple Pay transactions, the strings start with a bunch of generic characters and then at the end have the vital „…Your order at XXX store“.

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.

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" ;)