Comment by ian_d | Hacker News Reader

Comment by ian_d | Hacker News Reader

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I'd go check the YNAB forums, there's a lot of v4 users who really hate the cloud version. I tried to switch and gave it up for two reasons:

- Import from v4 is super broken for credit card accounts and I ended up with weird positive balances that don't add up based on any combination of transactions. Forum advice was "start over".

- You cannot tag income as "available for next month", instead all income must be immediately budgeted. Which is different than the old YNAB advice of being a month ahead. Forum advice is to earmark it a special category then fix it when the next month lands (https://support.youneedabudget.com/t/63pgpp/budget-using-onl...).

- No side-by-side month view. You can only view one month at a time.

The differences were too much for me and the import was so borked that I immediately gave up and stuck with v4.

I don't think your 2nd bullet is completely true, although I don't think it's the same as how it worked in v4.

You can receive income in January, then switch to February and allocate it to a category. When you switch back to January, it will not show that money in your To Be Budgeted total. So you can zero out January while having the next month already budgeted for.

My system is to switch to the next month, select all categories, then click the "Budgeted Last Month" button to automatically apply my previous budget to that month. Then I switch back to the current month and fix any underfunded categories and allocate any overflows to get the balance down to zero.

Longtime YNAB user here. It was rough moving to nYNAB at first, and I missed features for awhile. It's generally caught up and surpassed YNAB 4 in most respects. Things I still miss: the red right arrow (good reason to abandon it, but I still liked it), and being able to see three months side-by-side. Starting over occasionally is not a bad thing, IMO, and I did a fresh start with nYNAB. I created a "Next Month's Income" category, and use it exactly like YNAB 4; I don't budget beyond the current month. It woekd just fine that way. I generally ignore "Age of Money", which took over as the "Live on Last Month's Income" rule, and still follow the latter.

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