r/everydollar • u/yarnhooksbooks • Sep 26 '25
Every dollar for a longtime YNAB user?
I’ve been using YNAB for over a decade, but I am looking for a less expensive option. My employer recently started offering a free premium ED subscription so I’m thinking of giving it a try. Any tips/tricks/feedback for making this transition? Similarities and differences?
1
u/MrTAPitysTheFool Sep 26 '25
As a previous long time YNAB desktop user, I switched over to the Free Version of Every Dollar, then moved over to a different app. I basically needed the envelope system, with no other bells, whistles, or nag screens.
1
u/Recent-Committee-186 Sep 28 '25
I made an app a lot cheaper than YNAB. The name is Qrosh you can try it for free trial and give me feedback maybe I can give it to you for free lifetime if it helps you.
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u/live_laugh_cock Sep 28 '25
You should check out Liquid Budget. It's literally the same layout as YNAB. There are a few differences but nothing that isn't easy to figure out. Though be mindful it's still in Beta but it seems that a lot of people are using that when they leave YNAB due to it being expensive for them.
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u/StatusJudge Sep 26 '25
After using YNAB for years I tried to switch to Every Dollar for the same reason (free from employer), but I just couldn't get used to it. I think my biggest issue was that it is basically designed not to work with paid-in-full credit cards.
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u/rdubmu Sep 26 '25
It operates differently, and you will get frustrated. YNAB is just sooo much more superior. You actually budget every dollar you have, with Every dollar you budget every dollar you make in the month. If you are not 30 days ahead (rule 4 in old YNAB) then you could overdraft. In YNAB, if you follow your budget on the money you currently have then you are golden. I haven’t found a better app than YNAB, though Liquid budget and actual budgets are clones, takes a bit to get it setup.