Coming from YNAB
Import Data → YNAB takes the export straight from YNAB and rebuilds your budget here, including accounts, envelopes, groups, goals, and transaction history. Nothing about your YNAB account is touched; it reads the files you give it.
YNAB users often prefix envelope names with emojis (🍎 Groceries). The importer understands those: it matches envelopes emoji-insensitively, and offers a one-click option to strip the emoji prefixes if you'd rather use ReadyCents' own envelope icons. Either way you won't end up with doubled emojis.
CSV, OFX, and QFX files
Any bank can export a file, and ReadyCents can read it. CSV import maps your file's columns to date, payee, and amount, previews everything before it touches your budget, and validates dates so a malformed row can't sneak in.
Duplicate protection
Imports compare account, amount, date, and direction against what's already recorded, so importing the same file twice or importing a file that overlaps your bank sync doesn't double your transactions. When ReadyCents isn't sure, it shows you the suspected duplicate and lets you decide, including a per-row override when you know it's genuinely a separate charge.