The new version of YNAB is out and I've fully switched over to it. It's fully web based - which means that it'll run on my trusty Chromebook without any modification. (I still have my Chromebook modified so that I can use a local FTP program in Linux - don't trust web based ones yet) The slight bummer is that it is now a monthly or yearly fee to be used... ($45/year in my case) but the good news with this is that they now update it VERY frequently so it keeps getting better and better. Reports aren't in it yet - but they better be by the time tax season comes around for 2016 and I'm sure they will. Some great new features of the new YNAB: FAST.... it loads and updates fast on the web. The mobile app for Android (and I'm assuming iPhone as well) is MUCH faster and I actually use it now. It was too slow before. You can now budget months in the future from the same pile of money. There is no "income available next month" anymore - while this was a little bit of a bummer at first... it allowed me to have a lightbulb moment... now my "Emergency Fund" is in the budget and I can budget far out into the future... and now I know I have exactly 2 months of living expenses saved away now. When I'm budgeted out 6 months into the future then my e-fund will be complete. It handles credit cards differently but it make more sense for those carrying a balance. I don't carry a balance so it doesn't affect me really but it is a slight change. I can use it on any computer. It's completely web based, so I can use it on any computer including this Chromebook. Did I mention it's fast? You can now auto download transactions from the bank. This is good... especially since my bank doesn't allow me to download individual qif files so I had to do it all manually before. Long story short... I really like it. I'll do another post on it in a little while on my new e-fund method. To learn more about YNAB click here.