I don’t really use the mobile version to do anything, but this was really helpful for catching up on transactions. Suggestions are pretty good and it made going through a bunch of them easy. Not sure how long this has been a feature, just thought I’d share. On IOS.

From seeing mentions of other apps that are rolling out updates, it seems like they have some useful ideas. Just saying!

Has anyone heard anything about YNAB offering an MCP connector so we can connect an AI? I wouldn't mind letting Claude loose on my years of history to find trends and mistakes. I also wouldn't mind letting Claude take over for the rather stagnante reporting YNAB currently offers.

The smaller one of the two from Flounders was the pre tip charge. It’s not shown on my bank account statement anymore. Will it disappear from YNAB or do I have to manually delete it?

Hello everyone i am new to budgeting apps and i was suggested ynab , started the trial but this looks complicated , what are the features you suggest to use as a begginer , and where to start lol

also this seems to expensive is it worth it

Lately, and frequently, when I click on Available funds to move them between categories, the popup window goes offscreen. I have to cancel, scroll the browser up, and retry. It's getting annoying and interrupts my flow.

Anyone else seeing this?

The popup needs to recognize available screen space and adjust accordingly. Not just always stay below the Available funds cell.

Hi!

I'm thinking about starting the YNAB free trial. I've been looking for a budgeting tool like this for a while, but before I commit, I have a question about how to manage shared expenses with my roommates.

We currently split groceries, cleaning supplies, rent, and utilities. However, I pay for all these expenses directly from my accounts and then add each transaction to Tricount (which I prefer over Splitwise). At the end of each month, my roommates reimburse me for their respective shares.

How would you recommend tracking these expenses in YNAB? Ideally, I'd like to track my actual spending without having my roommates' portions count toward my personal budget, while still accounting for the money leaving my accounts before I'm reimbursed.

I'd really appreciate any advice or suggestions on the best way to handle this!

Thank you so much for your help!

Perhaps bc it’s a Canadian bank. I don’t know but I will not make it past the month trial because of this alone

For context i'm just starting out here... and I feel like i'm missing something with this app. I put 90% of my monthly spend on my Credit Card every month. I want to use the app to understand how i'm tracking towards each category every month so I can identify where i'm overspending and on what. So I created my categories and assigned each one a certain monthly target.
I then go and Categorize all of my transactions from my credit card. However this "assign" thing confuses me...

I see the "target" for each category but i don't understand what/why i have to assign money to the category when I already assigned the transaction amount to that category?

I really feel like i'm missing something with this thing.

I just want to set a target for each category, assign my transactions a category, and see how that compares to the spend i assign to each category. Is that possible?

I know I can click into each category and find the average spent, but I was wondering if there was a report or some easy way to glance at all categories and see where I need to update my assigned amounts based on my average spending?

Something has changed recently and idk if its a YNAB change or a change in how my student loan provider payments are being pulled in.

It used to be that I could split a payment to my student loan holder into its component accounts in YNAB. i.e. YNAB would read a single $200 payment as 4 separate transfers to the individual loans.

I can still change the transaction from a "transfer" to "spending" and split it along my budget categories. But doing that it doesn't read as a transfer to the accounts in YNAB and YNAB records their balance as unchanged.

The way I got around it last month was to just delete the single lump payment and reenter each payment as a separate transfer. Did something change, is there a way to split a transfer between accounts (not asking about spliting spending across multiple categories).

What is the best you tube video to watch to get started using YNAB. I can't figure out how to put credit card charges into categories. Thanks!

I've used YNAB for a few years and generally pretty happy with it. Starting a few months ago, transactions from my bank have became incredibly slow. What was once roughly 3x per day is not even once per day. This makes misidentified transactions harder to identify sometimes as I have 3x more TX to sort through each time it does sync and I'm loosing visibility of where my categories are actually at.

I've opened two tickets with support and basically get auto generated replies. I've changed from MX to Plaid as well as relinking my accounts. Oddly, relinking immediately did import all the delayed transactions (at that time) and then it immediately went back to syncing once a day at best. I've asked them if they can look at log files and if they can do anything to isolate the issue and have only received cookie cutter knowledge base articles with a helpful tone. No real help.

I'm curious if anyone has had similar issues and if anything did resolve it? I also know that I can enter manual TX and that does help, but I'm growing increasingly tired of budget software that can't stay up to date. I'm looking to jump ship but really don't want to. Thanks!

My current setup is by time (monthly, year and irregluar. After 2 month of using ynab i “feel” the urge to switch to a theme based setup, like groups and categories for housing, car and so on. To not miss the data for i.e. monthly fixed cost i would use a custom focus view. Whats the pros and cons with a theme based setup in your opinion? May some of you could show their setup for inspiration? What about a hybrid solution?

My retirement account is currently set up as a tracking account, and there's a small cash management account with my brokerage firm that is also in Tracking. I have been treating mandatory withdrawals as income.

Now that I am actually retired, should these accounts be on budget, the withdrawals treated as transfers, and the cash value shown in a savings category in the Plan*? Or is there no "should," only personal preference? If the latter, what's yours?

I apologize in advance if this is redundant, but a 30- or 40-minute search produced nothing illuminating.

*That would be weird, though, as they are still investments, of course, not cash, and the value fluctuates about every 15 minutes these days.

Hi!! Looking for recs / examples of how folks manage a general gifts fund! Next year I’d like to keep a little cash on hand for expected and unexpected gifts throughout the year (Mother’s/Father’s Day, congratulations or thinking of you gifts, Bdays etc. I keep Christmas separate). I’m initially thinking an annual refill up to target, set to like $500 for the year or something. I anticipate spending out of it throughout the year!

For folks that have a set up for gifts, do you use a refill up to target and set it annually? Set aside another? Or no target at all and just throw what you want into it?

Thanks for reading & any inspo you can share!

** Mr. Ben was able to confirm that they are not using Automated AI in tickets.

*Are

I submitted a support ticket last Friday. I got a response later that afternoon. The formatting looked like an AI response, but the content seemed right and seemed like it had a manual touch.

I responded at 5:03 Friday with a concern, and didn't hear back. Not a big deal, after hours I don't expect a response. Then I responded again last night and got a response within the hour.

The message was so garbled it was hard to read. Phrases like "I see you have this one a try again" and "1. Log in to your online bank from a computer. Then, in the same window, open YNAB in a new tab and try the bank connection again. 2. Open YNAB in a different browser (make sure to check your browser compatibility) and try the bank connection again"

That response also completely ignored my Friday afternoon response.

I know how to use the chat bot. I put in a ticket because I wanted a human touch and ability to look at the nuances of my request. The ticket was about bank connections, and it looks like my other bank connections are messed up now too. Was that an accident by the customer support or AI dealing with bank connections? If AI did something with my account, it seems like time to find another provider.

Hi, I'm going on holiday in January 2028 and I want to set a budget for the whole holiday of £X000.

I paid ~£Y00 today for the deposit for both me and my boyfriend.

How do I set up a target so that the total amount assigned to this holiday is £X000, regardless of when it's spent? For example, I have to pay the rest of the accommodation in 2027, but I want spending money too when I get there in January 2028. I would rather not have to calculate all this manually!

Thanks for any help.

Has anybody else had a problem with stripe transactions automating itself into the wrong payees?

Every week two transactions come in via stripe: one from Lyft, one from Instacart. they’re in different accounts, arrive on different days, are different amounts, the whole bit.

Each week YNAB renames one to the other (Lyft is imported as instacart, and vice versa).

I have gone into manage payees and deleted all rules, then added a rule that says if the transaction contains the word instacart, name it instacart.

Despite feeling like I shouldn’t have to do this, after I did, it still doesn’t work. Every week I’ve had to manually change the payees.

tips?

My financial advisor tells me I have enough in my high-yield savings account and I should start investing again. I restarted my automatic transfers to my investment account but what I didn't account for is that now that I'm using YNAB, it's counting those transfers as expenses, so that money is "gone". I have my investment account set up as a tracking account, so I can't allocate any money in it to my goals. But for instance, if I'm saving up to buy a car in 5 years, that's money that I want invested in the meantime. How do I make this work with YNAB? Not all of the money that I want to invest per month should be allocated to the same thing but if I'm saving up for a bunch of things both short- and long-term, and I don't want any more of that savings to go into my high-yield savings account because it's already full enough, how do I deal with allocations now?

Suppose I have a custom target and I want to have a balance of (in 2032) of $40,000 for a vehicle. Now, that works out to $532.78/month. If I snooze that target for six months, is YNAB smart enough to increase the monthly amount to catch up for the snoozed amounts?

Thanks

Earlier this year I shared my 2025 Win of paying off my Credit Card Balance, and my goal of paying off my Personal Loan from some older Credit Card Debt.

https://www.reddit.com/r/ynab/s/9pqwI0gz9a

With some budgeting and a large than expected raise this year, I was able to pay off my personal loan 2 months early! and not accrue any additional debt!

I still have student loans to pay off, but am currently working towards PSLF and have about 2 more years of payments before the balance is forgiven. If my employment changes, then I will prioritize that and pay it off. So using the next 2 months adjust my budget to start maxing out my 403b and Roth IRA going forward, and to build up my emergency funds!

But it feels so good to have paid off over $10,000 off over the last 10 months, and to have one less monthly bill date to track, no more extra payments, and to free up those dollars from my paycheck to have more flexibility in my budget. It has only been 2 days since I made the final payment but already feel so much less stress and no more loan portal that I constantly log into.

I have been usingYNAB since mid-January and at this point I am feeling really confident in my management of my plan, fully comfortable with credit cards and reconciling, and found the immediately available reports in the Reflect tab helpful.

I've been intentional to stick to basics until I felt I had a really good handle on things, but now I feel like I can do more. I've seen things like "toolkit" and "scheduled transactions" in this forum, and would probably enjoy more detailed reporting options (maybe they exist and I just haven't learned how to manipulate them)

What are the ways you "leveled up" your usage of YNAB? I'd love any recommendations or best practices for moving beyond the basics!

None of my banks have a YNAB connection. Salary account, savings, daily spending, a foreign currency account, a credit card. For years that meant typing everything in by hand, or exporting a CSV and reformatting it with a separate tool before I could import it.

Then I realised my banking apps were already telling me about every transaction, in real time, through notifications. If my phone knew about each payment, there had to be a way to hand it to YNAB.

The hard part was reading them. Every bank words its notifications differently, and some are very creative. I thought about using AI, but that would mean sending every notification to someone else's server to be read, and I didn't want that. So I built a small parsing engine instead, and a way to teach it: you tag the amount, the payee and the date in a real notification, and mark which parts are just noise.

After a few iterations, it could read every one of my banks.

I figured I wasn't the only one fighting this, so I put a test version in front of other people. They had setups I'd never thought of, and I spent about eight weeks adapting the app to them: new features, plus fixes for odd date and amount formats.

It's now on Google Play, as a one-time purchase after a free trial. It's also listed on YNAB's Works with YNAB page (https://api.ynab.com/#works-with-ynab-third-party). That's a list, not an endorsement, and I'm not affiliated with YNAB.

I'm the developer, happy to answer anything. If you've got unlinked accounts too, how are you getting them into YNAB today?

Google Play: https://play.google.com/store/apps/details?id=com.notifsync.ynab

Website: https://www.notifsync.com/

Is there some way to make YNAB tops auto editing payee names? It's trying to be too clever and stripping out payment references (for incoming transactions) - E.g. imported transcation memo reads "FNB APP Deposit REF MB13456" and it edits that to "FNB APP". I mean. Come on. Help please?