I pay for the YNAB subscription product. To me the value is in bank synchronization, which is a big ongoing cost for the service. I can centralize all my finan

I pay for the YNAB subscription product. To me the value is in bank synchronization, which is a big ongoing cost for the service. I can centralize all my financial information across accounts. The habit of checking my transactions in a centralized place and categorizing them has led to me catching fraudulent transactions multiple times. I might have never noticed them without YNAB. That alone has paid for years of the subscription. I know some people find that manual transaction entry helps them control their spending better but to me that’s just not practical. I don’t have time for that, there are too many transactions. I also value the mobile app and automatic synchronization. It’s nice to be able to share a budget with multiple people and not fiddle around with local files or having to get on my desktop computer. I use YNAB on mobile 95% of the time. If I give it a negative it’s not really the price, it’s that I’d like to see more progress on the software. I know they are still a small company but I’d like to see more ways to visualize without needing rely on external tools, and I’d like to see an overall a faster pace of feature development.