[fox918]

In my opinion, YNAB allows me to plan for the money I have in my accounts. As I have more plans than I have accounts, I find YNAB inherently useful.

It has changed my inner hesitation to deal with exact financial situation and where my money goes to a good understanding on how much money I have planned for which purpose and priorize where my money goes (or shouldn't).

This gives me peace of mind. For this, I am willing to spend money. I think 15$/month is worth it. (Even without Bank-Syncing).

Of course I could achieve this by other (cheaper) means, but then again I like how frictionless it makes managing my situation. And economically the return of invest in my first year of using YNAB payed for it for quite some years ;)

As someone dealing with two currencies, I can recommend RMillan's Plugins for YNAB [0].

[0] https://ynab.rmillan.com/

Edit: Not affiliated with YNAB, just a simple user somewhere in switzerland