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Is YNAB worth $109 a year?

Sometimes in social media groups I hear people grumble that YNAB is too expensive. To some, it feels counterintuitive to spend $109 a year (in the U.S., when paid annually) for an app that is supposed to help you spend less.

A couple of years ago, I blogged about why YNAB is worth it for me. Today, I thought I’d run an updated version of that post.

Let me show you, rather than tell you, how YNAB has helped my business. This month marks seven years since I started using YNAB for my business, Peace of Mind Organizing. Here’s a graph (found in the Reflections tab in YNAB) of my business’s Net Worth over the last seven years:

My business is pretty simple. The red bars represent credit card debt. The blurple bars represent cash on hand. It took a year to get out of credit card debt (with YNAB’s help). In seven years, my business went from a negative net worth to having plenty of money in the bank. And every single dollar in the bank has a job. It’s all thanks to YNAB.

Is YNAB worth $109 a year? For me, the answer is absolutely yes.

Comments

2 responses to “Is YNAB worth $109 a year?”

  1. Jane

    I absolutely agree! With Janine’s guidance, YNAB has changed my life. I’ve learned so much about how I spend and how to avoid financial distress. I think that the $109 is more than reasonable. Also, they are always very responsive when help is needed. Just a good app AND good people!

  2. Janine Adams

    Thanks for commenting, Jane!

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