I feel that the fact that YNAB is importing transa...
# budgetingg
gorgeous-computer-9973
11/06/2025, 1:52 AMI feel that the fact that YNAB is importing transactions on a daily basis (average) and not instantly is a huge let down.
The ultimate goal with YNAB is that making spending decisions should be based on available money in your YNAB plans categories and not account balances.
If YNAB is not updated with instant data it’s just not reliable for spending decisions.
Thoughts?
gorgeous-computer-9973
11/06/2025, 1:54 AMI remember when using EveryDollar a while ago that transactions was imported almost instantly, I think they are using Finicity by master card, and YNAB is using plaid or MX.
m
mysterious-tomato-10057
11/06/2025, 2:07 AMI agree and I tell my clients that don't have a huge buffer to type in the transactions manually.
mysterious-tomato-10057
11/06/2025, 2:07 AMIt's still very reliable unless you're on a knife's edge
g
gorgeous-computer-9973
11/06/2025, 2:09 AMThat’s what I’m doing, but in busy occasions where you have no time to enter, YNAB is getting a little bit unreliable
gorgeous-computer-9973
11/06/2025, 2:10 AMI guess the data aggregators are charging per data pull?
gorgeous-computer-9973
11/06/2025, 2:10 AMI believe they should have webhooks these days
m
mysterious-tomato-10057
11/06/2025, 2:47 AMInstant syncing is mostly gone nowadays. Everyone has introduced rate limiting. Some banks are once per day, some are once per six hours, etc.
w
wooden-belgium-47527
11/09/2025, 3:16 PMI often do put in manual transactions, but often it doesn't matchup