Reviewing cleared transactions that automatically download into YNAB takes me under 3 min/day (they’re auto-categorized based on past inputs). I usually do this

Reviewing cleared transactions that automatically download into YNAB takes me under 3 min/day (they’re auto-categorized based on past inputs). I usually do this on desktop but it can all be done on iOS (and Android?) as well. Initial setup of budget categories took me about an hour of reading docs and playing with the app. Historical transactions mostly aren’t available for import, so over the first 1-2 months of use you’ll fiddle with things as you get more data. From there I found myself just reviewing the reports every so often as needed.