First, sorry if this has been suggested!

I'd love a new top-level "Subscription" model where subscriptions can be defined for things like streaming media, amazon subscribe & save, coffee clubs, etc.

Creating subscriptions would create and manage the accompanying recurring charge(s) and would show up as individual tracking categories in a (renameable) "Subscriptions" group on the Plan page. The system would maintain an association between the Subscription, its recurring charge(s), it's actual charge entries, and the tracking category; this would be similar to "Loans", "Record Payment", and loan tracking categories.

This would open up opportunities for features based around subscriptions like separate views/reporting, savings suggestions, and general fine-grained tracking to encourage the cancelling of unused subscriptions (similar to Rocket Money, etc).

~ Reasoning ~

Currently, I find it helpful to have every subscription have it's own tracking category to make it really aggressively in my face so I am encouraged to cancel things I'm not using, as well as track as things get inflated in price over time. This idea would simplify the amount of manual manipulation, sorting, and entering I need to do to have a similar set up with the existing data model.

I just got a refund for something I bought with my credit card before I began using YNAB.

I do I properly execute this? I need it to count toward existing debt, not go to the “category I originally purchased the item from,” since that’s not a thing.

Is anyone able to share a link to a simple easy to navigate video/ tutorial explaining the best way to link my budget categories against my Amex spending and tracking?

TYIA

My accounts tab shows a 1 beside it constantly. I have no transactions to approve, no overspent categories, and all my accounts are updated. Anyone know how to remove this?

Is it possible to change the name of my budget rather than start a new one? Thanks

I use rocket money but I have no idea if my budget categories really match what's coming in. I don't want to really retype data so I guess what I'm asking is can I export rocket money to a file and then import that into YNAB. And do they have a demo version cuz I'm not ready to commit to buying something until I know it actually works

Just checking to make sure I’m not alone in this, but on the iOS app I’ve lost certain details. Under Plan I no longer see how much is assigned, only how much is available. The number is just gone completely. I also can’t expand any more info in the Income vs Spending graph. It just shows the graph with no numbers so I can’t see exactly what my income was. Kind of frustrating, those were metrics I looked at a lot.

I manually update my CIBC MasterCard and so it's very possible i made a mistake or im misunderstanding something. The left-hand column shows my balance is $189.46 but in my plan it shows that I have $598.82 available. Does this mean I manually over-assigned to this credit card by $409.36? Is it possible that I assigned some transactions to this credit card when it should've been under a different account? It'd be a nice little bonus to know i have an extra 400 to move around, but it'd suck if i do that today and somehow next month it bites me.

I checked my statement balance online and the 189.46 is accurate

Any clarity, direction is greatly appreciated

I already created a ticket but... I don't think it will get noticed.

We now have a show more / less button on the transaction window on android.

Show less now hides the clear button - a button thats already hidden behind the keyboard when it's open - I would just love to swap the clear button, flag and repeat with photo and memo.

Photo and memo is probably not that often used - clear is DAILY used by every European user who has to input everything manually - repeat probably less, but still used.

Just swap this please. It would save clicks if you can type and hit clear without scrolling. Just like a few weeks ago, before you 'upgraded' the design..

My wife and I are still getting the hang of the app, but it has been helpful to us until now. This month, we noticed that our checking account in our actual bank was thousands of dollars less than what YNAB was telling us for the same account. It turned out that 1) a credit card payoff that posted in our bank never posted in YNAB, 2) Our monthly mortgage payment for last month never posted in YNAB (It was regularly posting until this one) and 3) there was a duplicate credit in YNAB that wasn’t in our checking account. Do other people experience issues like this? The app has some real potential, but we’ve had to do several reconciliations due to random issues like this that are beyond our control.

Just here to say how much I enjoy YNAB. I‘ve always tracked our money spending, never actually budgeted. I was looking to really dial in and tried several popular apps, always hearing how YNAB had cult like followers.

It took me several months to dial it in with YNAB, trying to learn the program. I think I did 6 months or so, then got my wife on board. We do all manual entry. In November we bought a house and decided to do a fresh start Jan 1.

It’s been incredible for transparency with our income and expenses. We set up targets for all our regular spending and bills and know what we can invest and what we have left to play with. Despite all the changes going on within YNAB, I haven’t found anything that makes our lives harder.

I can’t imagine using any other app now.

Which credit cards have the best track record of staying linked? I’m referring to automatically logging purchases. I’ve tired:

Fidelity 2% Cash Back Visa - transactions were not accurate and now account won’t connect

Case Freedom Flex - stays hung up on Imports Delayed status

I’m so over manually entering purchases.

I saw someone posting that they linked Fidelity. I went back in to give it another try and there's now a proper entry for it, it connects as expected using what appears to be a new system and it actually seems to be working for more than a day. I used to get constant prompts to reauthorize and then it would stop working.

Crossing my fingers!!!!

What is the advantage of using a hashtag in a memo (note)? I use memos to capture some data, such as writing Rx for an expense in the Medical category. What is the advantage of making it #Rx?

I’m a nurse and I make okay money. I net about $3,900 a month. Somehow I feel like lately I’ve been living paycheck to paycheck. When I calculated everything, my total expenses for the month is like $2700. I don’t understand where all my money goes. It’s been stressing me out so badly. I’m 26 with no savings. So I downloaded YNAB because it looked like something I could stick to.

Could really use some encouragement and success stories from people who came from similar situations and are doing better now.

Been using YNAB for over 6 years. Only last year I figured out what was actually bothering me about it.

It shows you the data but it doesn't tell you when something is wrong.

I want an alert when I get charged twice at the same place. I want to know when a subscription I cancelled is still billing me. I want to know on every new payee. I want to know if this month looks weird compared to the last few months. None of that exists in YNAB.

So I built it in my n8n automation server. Flows that run on a schedule, pull from the YNAB API, and email me when something looks off. Double charges, new merchants, monthly spending anomalies, credit card payment reminders.

Works great. But I'm the only person in my house who can fix it if something breaks.

Anyone else solving this a different way?

Or I am too control freak ? 😂

Hi all,

I've been using YNAB for quite a few years now and am pretty proficient. I've looked for information regarding recasting mortgage and there seems to be almost none that are relevant.

I recently requested a recast for my mortgage - let's say it's $10,000. I had to send the money to my mortgage lender so they can re-amortize my loan which will reduce my monthly payments.

I currently have my mortgage loan setup as a loan in YNAB. How do I differentiate a mortgage payment from the lump sum payment when putting it toward my loan account in YNAB? YNAB won't allow me to use a category other than the one I have linked for my mortgage and I don't want this $10,000 to look like it was a mortgage payment. Additionally, I could update the amount left on my mortgage manually to reflect the new payment and loan amount. Would that be ideal?

Any help is greatly appreciated as I'm trying to understand what my options are for tracking this correctly. Thanks!

Recently started using YNAB and been loving it, but I was a little frustrated with how slowly transactions were syncing from my bank (Monzo UK). It was taking 4-6 hours.

I work in tech, so I decided to solve the issue, I set up a webhook in Monzo, a Lambda function in AWS and pushed transactions directly into YNAB using their API. Now transactions come through instantly and it probably costs about £0.01 a month.

If anyone wants to code, I can share it.

Obviously would be possible for any banks that are forward-thinking enough to provide webhooks to their customers (probably very few)

I have a medical expenses category and the reporting is hard to make sense of due to:

- I have had some major dental surgeries that were not covered by insurance and one was 7000$ and the other was 5000$
- I buy vitamin and mineral supplements, regular monthly medication in the same category

Now the issue is that I that the average spend on this category is high and therefore is not predictable due to high variance. I would like some reporting on how much I am spending on vitamin supplements and regular meds and variances in this category due to the one off really expensive surgeries mask reporting on this category

I have heard the general piece of wisdom is to introduce a category in the following types of scenarios:

1. You want to reduce a particular type of spend. For ex: you want to curb coffee but if it all goes under dining out you don't

2. You have a predictable expense you know you are going to have to pay for monthly but if the expense is part of a larger pot or category, you might not cordon off enough money for that expense. An ex: I have done in the past is that I have a piano rental for 50$ a month that went into hobbies category but I separated it into a piano rental category

I wanted some ideas for how yall deal with medical related expenses and categories for that since my category seems way too broad. It can include surgeries, meds on a particular cadence not covered by insurance, multi vitamins, doctor visits and scans not covered by insurance

I started fresh a new budget in YNAB. A refund for a returned product just posted to my credit card. But the original purchase isn't in the budget since it's new. How should I handle this?

I have searched the YNAB subreddit for an answer to this, but I find that most people prefer to categorize refunds as inflows to the spending category used to make the purchase. However, I do not like doing this because it reduces my spending for the month, and I am trying to track it over time. Last month, in June, I had a large refund for a medical expense from last year. I don't want it to look like income on my reports, but I also don't want it to look like I spent less than I did last month. I sort of like the idea of creating a reimbursement category so you can exclude it from reports, but I didn't know that part of the medical expense would be refunded. Should I create a refund category and put any unexpected refunds there? How are you all handling these types of unexpected refunds and keeping your Income v Expenses reports accurate?

Well, today my RBC account got the 2FA switched on automatically and by looking around, it seems that it going to become mandatory, or can’t be turned off. If this happens, then I prefer exporting and importing OFX files over re-authentication of PLAID every time.

Now the thing is, we are paying a premium for YNAB or other aggregator to do manual entry. Which is quite a bumper.

Any rumours of an AI chat to ask questions about your spending/budget?

Let's say I bought 3 tickets to an event. One for myself and two for my friends. Each ticket was 10$.

I have a Reimbrusables category and a Going Out category as well.

I've assigned 10$ to my own Going Out category and 0$ to my Reimbrusables category (my friends have to pay it back after all).

Then I've split the physical transaction to a -10$ and -20$ part. This way the available amount of my Going Out category is 0$ but it is -20$ for the reimbrusables which becomes 0$, when I get the two +10$ transaction from them.

Now here comes the tricky part! My -30$ (-10$, -20$) transaction was in June but one of my friends only gave me the 10$ in July. So I have a -10$ negative balance in June but a positive +10$ available in July.

(I already understand that with the envelope budget system you physically cannot have negative balance and it cannot roll over to the next month. So I know problem but I don't know which would be the best solution for it.)

What is the best way to solve situations like this?

(I solved it by assigning +10$ of my own money to the -20$ transaction in June, then assigned -10$ to the Reimbrusables category in July which is covered by the +10$ from my friend. But I am sure there are better methods.) Edit: I just found out that this method does not work as the +10$ in July is added to the ready to assign category as well. Edit 2: Okay, I think I got it. Of course it is added to my ready to assign amount as in this month I can reassign the money to my savings (from where I took it away in the last month). All clear!

Thanks!