Slightly off topic, but I finally broke down and paid for YNAB this year and it has literally changed my life. It doesn't feel like accounting anymore, it feels like playing monopoly. Use QB for biz, and tried mint for years, both feel like work. YNAB not only tracks historical categories but makes it fun to plan future expenses.
The biggest additional feature in the subscription based app is auto-importing transitions. Personally, this is not of interest for privacy / security reasons sharing my banking passwords.
Recently added budgeting to the mobile app. Most of the user-facing improvements have been cosmetic to UI design, colors, and phrasing.
The reports still are not at feature parity with the old YNAB4. Fortunately there’s an open-source Chrome extension - Toolkit for YNAB that improves reporting and charts. However, I find it disappointing this functionality isn’t built into the App.
