YNAB
Fewer than 5 people recommend it so far, so there's no written verdict. Here is what commenters said.
4recommend
1warn against
Nov 21, 2025first mention
Aug 1, 2026latest mention
Why people recommend it
“I use YNAB (https://www.ynab.com/) for budgeting so I already had all of my financial data in a single source.”
“I found YNAB's philosophy helpful”
Show 2 more
“I've been using You Need a Budget for well over a decade, and it is probably the last subscription I'd ever give up.”
family budgeting for over a decadeon “One Number I Trust: Plain-Text Accounting for a Mult…”
“I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances.”
Caveats and dissent
“I have no interest in paying a subscription for YNAB5 when I have no need for cloud-access or cross-device syncing.”
Often compared with
Who recommends it in their own words
Threads where it came up
- From MIT: AI financial advice is surprisingly good 2 mentions
- One Number I Trust: Plain-Text Accounting for a Multi-Currency Household 2 mentions
- Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker 2 mentions
- Ask HN: Any Interesting Niche Hobbies? 1 mention
- Show HN: Trackm, a personal finance web app 1 mention
- Ask HN: What frustrates you most about personal finance apps? 1 mention
Data: ynab.json. Quotes are verbatim; the verdict and theme labels are written by a model from these comments, and every clause links to its sources.
All comments 9
“I have no interest in paying a subscription for YNAB5 when I have no need for cloud-access or cross-device syncing.”
“I use YNAB (https://www.ynab.com/) for budgeting so I already had all of my financial data in a single source.”
“I use YNAB for our family budgeting”
“I use YNAB.”
“I’ve tried Mint, YNAB, and a couple of smaller apps.”
“I found YNAB's philosophy helpful”
“I've been using You Need a Budget for well over a decade, and it is probably the last subscription I'd ever give up.”
“i ended up abandoning YNAB's CSV import and use their API to remove transactions”
“I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances.”