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