ynab.com

4.6
4.6 Based on 1.2K reviews

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Luis F. Villalba
Let me tell you my story I’ve been using the app since February 2025, so it’s been about a year now

Let me tell you my story

I’ve been using the app since February 2025, so it’s been about a year now, and I can confidently say it helped my wife and me bring balance to our finances.

Before our financial wake up, we were two people earning money every month, but we had a lot of expenses we didn’t fully realize. It always felt like we weren’t saving anything, or worse, like we were spending more than we earned. I even burned through three great bonuses just paying off credit cards. Every time I received my money it felt like the money dissapeared from my bank account paying debts. Looking back, I really wish I had started using this app earlier. Every salary increase simply became more money to spend, when my mindset should have been “more money to save.”

Can I say that I’m an expert using the app? Nope. I actually struggled with it at the beginning, and now I feel very confident using it. By the way, I’m from South America and I can’t connect to any bank, so I do everything manually, but that’s OK. Even doing manual tracking, the app still works great and forces me to stay aware of every movement.

What stands out to me versus other apps:
- Full web application: this is VERY important to me
- Ability to share your budget with someone else
- Training webinars
- Mobile application

Since using it, I’ve gone from saving 0% of my salary to 10%, and now around 20%, with the goal of pushing that even higher. Things feel different today, and this app played a big role in that shift. I feel relieved.

Long story short, the app works because it makes you fully aware of the money you receive, every coin you spend, and how you categorize your expenses. That visibility helped me realize I could do much more with my money.

Today, I have zero credit card debt. If I use my card, I pay it off right away. I’m finally in a position where I can say I’m probably the bank’s worst client 😉

5
Date of experience: Feb 08, 2026

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