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Do they no longer do the desktop client?
The page answers that:

> Will there be a desktop app for the new YNAB?

> Yes. It’s on our roadmap as one of our first major initiatives.

But it's a subscription desktop app that accesses their cloud offering.

Why? Because Jesse says files are too hard; despite that being how YNAB classic works.

So... probably not what you've expected.

The new YNAB is a $50/year subscription vs $60 to buy a copy of YNAB 4 (now called classic).

YNAB 4 has been out for at least three years with no major updates. If find it hard to fathom how they can charge that much. $20/year I could understand...but $60?

I'll check out the new YNAB because I'm curious, but I plan to keep using YNAB 4.

> If find it hard to fathom how they can charge that much. $20/year I could understand...but $60?

I look at it the other way. Products don't usually charge enough to survive. Charge more, and survive, or die quickly from freeloaders. Shut up and take my money!

What is a good replacement for YNAB?