Waste of money, Mint is more useful – YNAB Review

I stopped using YNAB because: 1. My bank supports creation of saving goals. 2. Mint is better at account importation and categorization 3. Mint allows for decent budgeting 4. Mint is free The idea is definitely great, but the execution is lacking. Account importation is a joke in comparison to that of Mint’s. Mint automatically adjusts for credit card payments far better than YNAB could, and can automatically categorize transactions. YNAB does not show pending transactions, so your budgeting barely operates in real time since transactions usually take days to go through. It also fails to connect to my credit cards half of the time saying the credit card is experiencing ‘delays’ while Mint is able to update just fine. YNAB’s one advantage is the ability to ‘give every dollar a job’ through your manual allocation of money. But this is hardly an advantage over Mint’s automatic categorization of your spending which is done pretty much in real time. YNAB does have the better UI, but unless they can fix the capabilities of their platform I won’t be switching back any time soon.
Review by Bsmith100 on YNAB.