I picked YNAB up in a Steam Sale a while back. I'd casually had my eye on it, so when the price dropped, I snapped it up.
Wow. A year later, count me as one more life seriously changed for the better. As someone who almost never buys anything new or full price, I would buy YNAB full-price again in a heartbeat. It's a great piece of software that is very well focused, and does what it's supposed to very well, which is keeping you on track, building good habits, and figuring out where all your money is going, and how to get it under control. And while it's focused, it's also flexible in the best way: it gives you enough rope to hang yourself if you really want to, but gently warns you along the way of the pitfalls of straying from the system.
Which is where part two comes in: it's not just a piece of software, it's a system
. The app is just a really streamlined, endlessly helpful way to follow the system, that makes it way easier, and way less prone to failure. YNAB started as a system - the software came later, and it shows in how polished the whole experience is. Do yourself a favor and read through the method
before you just dive in. Or take one of the free webcast classes. They really have figured out this system well, just trust them and go along with it, and see how it goes. After all, you bought budget software because you haven't figured it out yet, right?
I had been saying "man, I need a budget" for several years, and given it several failed tries with different software, before I finally sat down, read up, and got set up with YNAB, and it's the only one that has stuck.
And if that weren't enough: their support is rock-solid. I had an issue with my budget, filed a support request, and the support person was knowledgeable, friendly, incredibly helpful, and got the issue resolved ridiculously fast. Which is why I finally sat down and wrote this review - since I already bought it, I wanted to do something to say thanks. So thanks, A, for your excellent customer service.
Bonuses: they have a free companion phone app to enter transactions on-the-go, and the desktop app runs flawlessly under WINE. I run Linux exclusively, and haven't experienced any issues. You don't even have to have it running via Steam, since Steam can be cumbersome to run under WINE - just download the standalone version and follow the directions
to copy over your activation key. Couldn't be easier. Oh, as a sidebar, because of that, don't believe my hours on record - I've used it for way more than 10 hours, but not via Steam.
11/10 stars, excellent software, brilliant system, rock-solid support. The only thing that could make me happier is a native Linux version, but with WINE working solidly, that's a minor gripe for me. Well worth dropping the $60 - I promise you'll very quickly make that money up if you're trying to get a handle on your finances.