There are lots of pretty basic workflows that it doesn’t handle gracefully at all.

Before I gave up on YNAB as being complete shit:

-you had to email support to unsubscribe. What the fuck is that?

-it didn’t support carryover surplus properly, which fucked your budget every time expenses carried over due to, for example, holidays, or just cause you paid on a different date.

-it didn’t properly support multiple physical accounts with transfer requirements

-it couldn’t be made to understand that certain postings must come from certain accounts

-it couldn’t split postings to multiple accounts (it could transfer raw amounts on a schedule, but that’s a bullshit hack, and their scheduling options are shit tier)

-it had no, non-bullshit hack way to represent annual payments which should have a monthly accrual to save

And on and on and on and on.

It’s clear that the developers of this app simply do not have even a rudimentary understanding of a plethora of accounting concepts, or even a basic understanding that different transactions have different period requirements, and it leads to an app that is simply impossible to mangle into working for anything beyond extremely basic budgeting that must be monthly based.

- There's a cancel subscription button in Settings

- It rolls over surpluses, it doesn't rollover deficits. This is documented and an intentional design decision to get people to "cover" the money. You can roll over negatives in "Ready to Assign" and in Credit Card balances, if absolutely necessary.

- I don't know what you mean about multiple physical accounts with transfer requirements.

- Without knowing what "certain postings" are, I assume you're referring to the fact that Payee association is only based on the text in the transfer and no other signals

- It can split postings, I'm not sure what you mean. You can have a transaction that is subdivided as two transfers to two accounts. You have to use the category split button.

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I do agree that there are some things it's missing, but the only one I've found interrupts my flow is the lack of flexibility in goal setting (some times of goals can only recur monthly).