As of January 2016, You Need a Budget switched to a web based, subscription model for their software. The update was a pretty significant change from the previous version.
*cue lots of irate customers*
The forums were going crazy. It. Was. Nuts. A lot of it had to do with a change in feature set, how they beta tested it (targeting new YNAB users and excluding feedback from existing users), and the new monthly fee.
But before I drew any conclusions, I wanted to give the new You Need a Budget a fair chance first.
So here’s a review comparing the new YNAB to the old YNAB. For this review, YNAB means the new web based, subscription version and YNAB 4 refers to the old downloadable version.
I used YNAB and YNAB 4 side-by-side for about a month and a half in order to answer these questions:
- Is YNAB worth using for new users?
- Should YNAB 4 users upgrade to YNAB?
- Would I recommend YNAB over Mint or Dave Ramsey’s EveryDollar?
- Is it time to look for YNAB alternatives?
Well, here we go. Let’s jump in and see what I like about YNAB compared to YNAB 4.