Life changing
I cannot recommend this app (and its desktop counterpart) highly enough. Using it has allowed me to take control of my finances in a way I never had before. Rather than restricting me, it has in fact given me more freedom to spend my money whilst at the same time building a financial safety net and nest egg. It is by no means hyperbole to say that YNAB has changed by financial life.
Tombaroo about
YNAB Classic, v3.2.8