this post was submitted on 11 Jul 2024
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There are a few pieces of software I use (regularly) that would continue to get money from me if they followed the old model of paying for major versions. (pay for v1, get v 1.1-1.9) with v2 being the next "big" update that you'd have to pay an upgrade fee (smaller than a new purchase) to continue on the train.
But they switched to subscription model, and lost me as an "active" customer.
YNAB is the big one I use at least weekly, sometimes daily. I am on YNAB4 until it will no longer function because I'm not paying them a monthly fee to use that product. I would have GLADLY paid for major updates/changes even if it equaled the subscription in the end. But each of those purchases would be a decision I made on whether the change had enough value for me.
Subscriptions allow them to not strive for large enough improvements to warrant a version update / upgrade fee. They just run along with little or no useful changes (IMHO).
I can highly recommend you to try Actual Budget to replace YNAB, it has come a long away and has bank sync and a very usable mobile (progressive web) app now
Looks sick. I've been using Tiller, and it's honestly the last major thing holding me to Google Docs. If it's FOSS and syncs w/ banks, I'll self-host it and be happy. If it works, I'll happily send the amount I paid for Tiller to the team.
Edit: Bank account linking seems to be "coming soon". That's a critical feature for me, since I have a bunch of accounts and a huge part of the value is pulling all of that in for me. I'll play with it anyway, but I really need that feature (and I'm happy to pay a service like Plaid for access).
Edit2: Looks like it's implemented, but it's essentially EU-only. I'd really like them to support Plaid or something.
That has been on my radar for a while. I haven't checked it out recently. I'm sure YNAB4 will die sometime in the future, but I'm going to milk it out to the end :). There's already a hack for android (for dropbox syncing) and hoops to jump through to get it working in MacOs. It's just a matter of time before the house of cards falls apart.