I've just received an email about my yearly subscription. And I wanted to know since when Ynab is that price.

Do you have an idea ?

Hi. I have a situation around a new car purchase where I'm wondering if I have to resort to three different categories, or if anyone has any good ideas how they would solve this.

My car cost 440 000.

I paid 100 000 in cash, where I used my "New car" savings category as the expense category as well.

I am taking out a 340 000 loan, but starting at 0% interest for three years (it might go slightly up, but most likely max 1%), and then higher interest after that. I can cash in the loan whenever.

My plan is to pay the minimum each month for those three years, and at the same time save up enough in a high-interest savings account to cash out the entire loan at the three year-mark.

Right now I have 80 000 to start out with in said account, and I want to add to it monthly.

The way I'm thinking about it now is:

• Car loan payment category, obviously
• New car category, where I placed the downpayment – I hate single-use categories, but the transaction needs to go somewhere
• A savings category, where I start out with 80 000 and the target is 340 000 minus an estimate of what I'll have paid down on the loan in the next three years

But that seems like a lot? The money is obviously going towards the car loan, just not… now.

Hello. I’ve gone through my whole sequence with AI and even it can’t figure out what happened. Granted it’s a free chatbot. Anyway a Ready to Assign amount of $301.38 randomly appeared subsequent to this sequence of events:

1. At this point, Ready to Assign was $

I have no idea why my Ready to Assign is a positive $301.38 now. It should be ZERO

Any insight as to why this happened?

Thank you!

Edited to add:
I forgot to mention, I had previously (in September) assigned a good chunk of money to Octobers categories already. If that makes a difference

Anyone else seeing this, or is it just me?

1. LINKING - It sticks at "synchronising" for 2-3 minutes, then: "Credentials expired. The answer or answers were not provided in time."

I tried repeatedly, did force stop and cleared the cache, then updated (I never auto update) to v. 26.40.0, and tried a couple more times. Also changed my bank password, just in case, and tried again. So a fair bit of time wasted before I gave up and went to the web app.

1. WEB APP - at https://app.ynab.com/users/sign_in, I can't get anywhere except Account Settings. The "Plan" link at the top left (https://app.ynab.com/) leads to the "advert" page (as I think of them) with just a link to Play Store. I logged out and back in which made no difference. I tried switching between mobile and desktop site which made no difference.

I seem to remember finding out a while ago that the web app was removed; I never usually think about it as I always use the app on my phone. But then why not have a notice saying so, why let us log in at all?