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 you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. You paid for the old one, you want to use the new one. There are some things I miss but I see why other people have lived the new changes. 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. Go with the new software, you won't regret it. So no, you are not justified. 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. We offer all college students YNAB free for 12-months (in addition to the free 34-day trial). Top Pro. If I upgrade, is there a discount for existing users? In 2013 it was the most popular personal finance software among Lifehacker readers. Now I know that I can stop adding to the debt, and I can even pay it off.”, I'm a self-confessed spendaholic. YNAB is priced in US dollars. Personally, I don't find the new features particularly worth the full price they're asking (I do subscribe at a 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. Related to personal finance, budgeting, money and financial matters. I paid monthly subscription to make intense tests and to migrate myself to cloud version. 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). Sounds like it has great features! If I can crawl out of debt and get ahead, then anyone can!”. 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. And, obviously, we know you need a budget. YNAB started out as a "fancy spreadsheet" as they mention in their origin story. 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. 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 … (The old version continues to be licensed, but there's a time limit on support.) 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. I'm desperate for budgeting software but I'm leery as it is paying 60 bucks. In terms of an investment, that’s a serious return. The free version doesn't include all of the features which are included in the subscription. By using our Services or clicking I agree, you agree to our use of cookies. I started with YNAB in 2011 and I only upgraded to the subscription last year as I predominantly use Apple. If you currently have a subscription to Calm, please follow the directions below for canceling your subscription. 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. 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. Do you really give college students YNAB for free? ; If you subscribed through the App Store (on an iPhone or iPad), you'll need to manage your subscription through Apple. Press question mark to learn the rest of the keyboard shortcuts. How you update your subscription depends on which platform you're using and how you subscribed. What does your "No-Risk, 100% Money-Back Guarantee" cover? If you have gotten this far, you know you need a budget. I do not talk about price even, monthly subscription price versus old lifetime license which I paid for all platforms - iOS, OSX and Windows. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Because you spend 100% of the dollars you don’t budget. On average, new budgeters save $600 in their first two months with YNAB. If I buy YNAB 4, am I buying a version that requires a subscription? It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. by George Windsor Updated: January 17, 2019 Budgeting Tools. “Lifetime” subscription. After your free year as a college student, we’ll give you a one-time 10% discount! Also, more control and less stress. 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. But is all the hype true? YNAB states their infrastructure is built on Heroku. This review delves into what YNAB offers. The latest version of YNAB is available to existing customers as an upgrade with a 10% discount. I too had the "lifetime" YNAB subscription. 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. Plus, the trial is free for 34-days so definitely worth a shot! Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. You bought a licence to use a particular software, which was YNAB version 4. You won’t be spending less, you’ll be spending right. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. YNAB charges a monthly subscription fee of $6.99 per month. Yes! You can still download and use the version you bought as long as it will run on your computer: https://classic.youneedabudget.com/. One of the reasons I cancelled. Direct import currently only supports US and Canadian banks—but File-Based Import works like a charm. That’s my kind of company. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). Mint.com is free. 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!). 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. We give a 10 percent lifetime discount off an annual subscription to all existing customers. Easily connect your accounts in one place. I had also bought YNAB4, and now I am in a trial subscription of the new online version, and I'm loving it. 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. Budgeting is not restrictive. YNAB is the best budgeting software for keeping good control over money running equally good on Mac and Windows. Does bank import work for non-US/Canadian banks? Is the exchange rate taken into account with pricing? 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. One-time payment, billed annually. No questions asked. 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. They even have free classes on budgeting! I personally feel it’s wrong and don’t agree with a yearly fee. (It’s seriously slick, you should try it.). (It’s Wayne Gretzky or science or something.). 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. In fact, we offer a No-Risk, 100% Money-Back Guarantee. Your data stays encrypted the entire time. Is YNAB free for students? If you want to buy something different now, that's up to you. You can have your plain glazed donut, which is still really delicious, but you can't eat the deluxe glazed donut with sprinkles, too. 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. YNAB offers students a free one-year subscription, and 10% off the subscription price if they renew. They bill you annually, though, at $83.99 per year. But as you were a YNAB 4 customer you are entitled to a discount for your subscription. It’s available for both Android and iOS, and the Wally app will also let you store photos of receipts. 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. 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. 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. (And make sure you upgrade your account for the lifetime 10% discount!). You won’t be alone, either. That make sense, thanks for the perspective. 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