Follow YNAB to get support and lots of great ideas on budgeting. The YNAB for Good initiative exists to support and empower organizations who are already working to create and teach financial stability in underrepresented and marginalized communities. Oh, and more than $6,000 after one year. Amid the coronavirus pandemic, banks and credit unions are trying to offer some relief to their affected customers. Key Features: Bank Synching—Easi… Budgeting is not restrictive. New comments cannot be posted and votes cannot be cast. At 30 quid a year, i.e. 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. They do offer a no-risk, 100% money back guarantee if … YNAB actually goes way beyond tracking your purchases – it’s main goal is to help you budget. £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. We are offering a lifetime 10% discount for existing YNAB 4 users. 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. Their previous policy was the licenses are perpetual for the version, but upgrades to the new version only apply if you purchased within a certain amount of time just before the upgrade. This review delves into what YNAB offers. On average, new budgeters save $600 in their first two months with YNAB. Your licence for that software is still valid and you can use it if you want to, though it’s older and not being updated anymore. That’s my kind of company. YNAB's last version was YNAB 4, which was a desktop-based application. 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. YNAB also offers a 34-day free trial, so you can try before you buy. After your free year as a college student, we’ll give you a one-time 10% discount! I do not talk about price even, monthly subscription price versus old lifetime license which I paid for all platforms - iOS, OSX and Windows. 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. Personally, I don't find the new features particularly worth the full price they're asking (I do subscribe at a discount). It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. As mentioned above, YNAB doesn’t offer a current or savings account and so doesn’t come with a long list of fees and limits. In fact, we offer a No-Risk, 100% Money-Back Guarantee. How you update your subscription depends on which platform you're using and how you subscribed. Try it free for 30 days. I didn't go that route so I'm not familiar with the process, but I'm sure chatting with their customer support would be helpful. 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!) You won’t be spending less, you’ll be spending right. I believe the two are completely different systems. 4. 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. Follow us for budgeting ideas & support. They have no phone number, only email. YNAB is the best budgeting software for keeping good control over money running equally good on Mac and Windows. Sounds like it has great features! 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. Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. Follow YNAB to get support and lots of great ideas on budgeting. Fast forward 2 years and I maintain my view that the new YNAB: These days companies are moving to implement subscriptions and new versions should be included in those ongoing fees, but having to pay for a new version of software when you’ve paid a one time licence has been happening for as long as software has been on sale. Is the exchange rate taken into account with pricing? 45 USD per year. So what do you have to lose? We offer all college students YNAB free for 12-months (in addition to the free 34-day trial). However, YNAB is free for 12 months for all students (in addition to the free 34-day trial). Sorry, this post was deleted by the person who originally posted it. One of the reasons I cancelled. You Need a Budget (YNAB) (pronounced Why-nab) is an American multi-platform personal budgeting program based on the envelope method. The old one still works, except maybe with a mac, https://classic.youneedabudget.com/download/ynab4, https://classic.youneedabudget.com/order-lookup/index.html. YNAB makes money through its $84 a year subscription fee. Except all that debt and stress? See More. What does your "No-Risk, 100% Money-Back Guarantee" cover? But is all the hype true? And it seems that’ll finish my YNAB adventure eventually. And, obviously, we know you need a budget. Top Pro. Usage reports. There are some things I miss but I see why other people have lived the new changes. YNAB states their infrastructure is built on Heroku. Manage Your Subscription. If I could afford it I totally would! If I buy YNAB 4, am I buying a version that requires a subscription? If you decide to cancel your subscription and delete your account, all of your data is removed from the YNAB database. If you don't want to pay the new pricing, I'd suggest continuing to use the old version or replicate the functionality in your own homegrown spreadsheet. The latest version of YNAB is available to existing customers as an upgrade with a 10% discount. I started with YNAB in 2011 and I only upgraded to the subscription last year as I predominantly use Apple. I think a smartphone probably is best for most people, but for me, the garmin is simply dedicated to a few driving tasks and frees up my smartphone for other things see less I believe they do come with "lifetime" map updates but that refers to the life cycle of the product .. after a few years it will be discontinued and you will be asked to pay for the update. New versions of software have almost always come at a new cost. YNAB is billed at $50 per annum, and offers 100% money-back guarantee. There's no way I can consider paying such a high amount over and over, but 60 bucks is definitely worth it to me as a one-time expense if the software will truly help me save money and get out of debt. Learn more about Mint.com. YNAB is priced in US dollars. We don’t want you to feel any anxiety about locking in that lifetime discount. It’s a subscription service at ~$84 PA, and web-based, but doesn’t link with UK banks so some amount of manual importing is required. 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)! Thank you for the links! 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. If I upgrade, is there a discount for existing users? YNAB started out as a "fancy spreadsheet" as they mention in their origin story. CountAbout. (It’s seriously slick, you should try it.). 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. The yearly cost of the new one is almost as much as the lifetime cost of the old one. The subscription model also changed, so it's now online and has amazing support. This was all clearly spelled out when you purchased way back when. We give a 10 percent lifetime discount off an annual subscription to all existing customers. To qualify, you’ll need to provide proof that you’re an active student. Because you spend 100% of the dollars you don’t budget. YNAB's last version was YNAB 4, which was a desktop-based application. If you want to buy something different now, that's up to you. 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. Direct import currently only supports US and Canadian banks—but File-Based Import works like a charm. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. 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. By using our Services or clicking I agree, you agree to our use of cookies. Wally vs. YNAB 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). We can’t wait to get you budgeting! That make sense, thanks for the perspective. It is very easy and profitable to migrate and upgrade to new versions of YNAB as it offers 10% lifetime discount on upgrades. 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 need to offer a monthly payment plan, if they're worried about the payment processor's fee just accept bitcoin lol. I personally feel it’s wrong and don’t agree with a yearly fee. Thanks! The free version doesn't include all of the features which are included in the subscription. Now I know that I can stop adding to the debt, and I can even pay it off.”, I'm a self-confessed spendaholic. You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). YNAB offers students a free one-year subscription, and 10% off the subscription price if they renew. But as you were a YNAB 4 customer you are entitled to a discount for your subscription. As a college student, what happens after my free year? $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. It’s been a while since I was earning enough to use it, but now I wanted to rekindle it as I take out loans for college. 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 charges a monthly subscription fee of $6.99 (or about £5.20), so less than your Netflix or Amazon Prime subscription. The subscription will be 5 USD per month, 50 USD per year or if you sign up before 31 Jan, a lifetime discount of 10%, i.e. Monthly funding goals? A discussion subreddit for popular budgeting software You Need A Budget. You Need a Budget (YNAB) is subscription-based budgeting software available both on desktop and mobile devices. Heroku uses the Amazon Web Service Technology and continually monitors their security. You paid for the old one, you want to use the new one. One-time payment, billed annually. I'm desperate for budgeting software but I'm leery as it is paying 60 bucks. Personal support and teaching, 7 days a week. ; If you subscribed through the App Store (on an iPhone or iPad), you'll need to manage your subscription through Apple. (The old version continues to be licensed, but there's a time limit on support.) Easily connect your accounts in one place. Direct import? The new pricing sucks but someone has to pay for Jesse’s Tesla. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. Mint.com is free. You won’t be alone, either. The requisite warnings about giving your banking data to a cloud-based third party aside, it’s decent budgeting software. You bought a licence to use a particular software, which was YNAB version 4. On average, new users save $600 in the first two months, and more than $6,000 in the first year. If you'd bought long enough ago that you wouldn't have gotten a free upgrade under the old model, you just got a trial - but your old version continued to work. Cookies help us deliver our Services. I remember a lot of people were upset when they announced "new YNAB" - the old YNAB forums were full of angry posts. 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. Go with the new software, you won't regret it. I’ve learn excel pretty well since I bought the original about 4 years ago. I too had the "lifetime" YNAB subscription. Yep. purchase a subscription. 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. by George Windsor Updated: January 17, 2019 Budgeting Tools. If I can crawl out of debt and get ahead, then anyone can!”. Got ‘em. If you have gotten this far, you know you need a budget. Press question mark to learn the rest of the keyboard shortcuts. With a cult-like following, YNAB (stands for “You Need A Budget“), which started as a custom spreadsheet, has turned into a complete budgeting solution, helping users “save over $6,000 in their first year using the software! Long story short, you got exactly what you bought. No questions asked. About You Need A Budget (YNAB). How do I move my YNAB 4 budget to the new YNAB? So, since we are all on the same page—let’s do this! They bill you annually, though, at $83.99 per year. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. Change the way you think about budgeting forever. Does bank import work for non-US/Canadian banks? ... the Buckets is the only offline budgeting desktop application which has budgeting as front-and-center as YNAB 4, and the developer is continually working on it, so hopefully it will be improved further. Exchange rates are not reflected in the price. Lifetime access to Calm may be purchased at any time. To quote their own words: “the subscription model was a better model for us” – No doubt. Your data stays encrypted the entire time. If you sign up for the new YNAB with the same email address you used to purchase YNAB 4, you’ll automatically lock in the discount. You can have your plain glazed donut, which is still really delicious, but you can't eat the deluxe glazed donut with sprinkles, too. “Lifetime” subscription. Press J to jump to the feed. YNAB charges a monthly subscription fee of $6.99 per month. We’re making YNAB subscriptions free for you to distribute to those you serve, along with our always-free live workshops, educational content, video resources, and personalized support. Cancel anytime. Related to personal finance, budgeting, money and financial matters. Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. In 2013 it was the most popular personal finance software among Lifehacker readers. Alternatives that offer something similar: YNAB offers bank synching, access to your real-time budgeting data from any device, reports, goal-setting, personal support...and peace of mind. YNAB Review 2020 – Yes, You Need A Budget! YNAB is commonly recommended. It doesn't appear in any feeds, and anyone with a direct link to it will see a message like this one. It’s available for both Android and iOS, and the Wally app will also let you store photos of receipts. Is YNAB safe? They even have free classes on budgeting! If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) In terms of an investment, that’s a serious return. Do you really give college students YNAB for free? If you're a student, YNAB will give you a year free. I paid monthly subscription to make intense tests and to migrate myself to cloud version. ‎YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. So no, you are not justified. So I bought YNAB a while ago for a lifetime subscription of around 100$. By this point, you will have saved so much money, it will be a no-brainer. and we’ll set you up! As of this writing, Wally Gold was $19.99 for a lifetime subscription. Just keep in mind that the trial can only be added once per email account, so if you have multiple students that's when multiple accounts may come in handy (even if only temporarily). with the week's best budgeting wisdom and inspiration. Also, more control and less stress. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. No questions asked. Yes! Let's say you bought a lifetime subscription of plain glazed donuts at Krispy Kreme, but they later came out with a deluxe glazed donut with like sprinkles on them. My old password and login don’t work so I tired to contact customer service. Agree to the Terms of Service and Privacy Policy to continue. If you subscribed directly through YNAB, changes to your subscription can be made in your Account Settings in the web app. Is YNAB free for students? Plus, the trial is free for 34-days so definitely worth a shot! No, you are not justified. How do I move my YNAB 4 budget to the new YNAB? If you currently have a subscription to Calm, please follow the directions below for canceling your subscription. Great idea to “replicated the functionality”. (It’s Wayne Gretzky or science or something.). I had also bought YNAB4, and now I am in a trial subscription of the new online version, and I'm loving it. 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. 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 … (And make sure you upgrade your account for the lifetime 10% discount!). You can still download and use the version you bought as long as it will run on your computer: https://classic.youneedabudget.com/. Will I be forced to subscribe now or in the future? You bought a lifetime subscription to YNAB or YNAB4, not to the newer online version. 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. Once we started using YNAB, we had a much clearer picture and we had better communication about who was spending what and how that money was transpiring.”, I thought of consumer debt as something that would always be with me. I've found YNAB invaluable at helping me get a grip on my finances, keep afloat, and even reduce debt, all while recession has been knocking the stuffing out of my income. For a lifetime subscription to Calm, please follow the directions below for canceling your depends! 19.99 for a lifetime 10 % off the subscription model was a application. News, questions, budget strategies, tips & tricks and advice related personal! For existing YNAB 4 users support. ), tips & tricks and advice to. 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