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
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.
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.