I have been using the web version for a bit over a year (referred to as nYNAB for "new YNAB" on the forums) and love it. Prior to that I used spreadsheets, Quicken, Mint and Personal Capital for various ways to improve our budgeting. Nothing works as well as nYNAB for us. Unlike the desktop version, it is subscription based but at $45/year it is well worth the investment in the time and money is helps save. You do not need to download to a file and import, it does direct import from most major US banks and credits cards. It's mobile app is awesome, where the YNAB4 version is much clunkier to use. My wife and I simply enter our purchases as we are out and make them, and it helps make sure we are all on the same page. We handle our kid's college savings in there as well as managing their allowance accounts, which was a major pain before YNAB. Before we needed to go to Quicken and look up what each of them had. If we forgot before we went on a family outing or something where they might want to buy something it was a point of frustration, now we just pull up the phone, find the category for that child and tell them their balance immediately and enter the transaction if they buy something. no more waiting to get home from Cedar Point having lost all the receipts or worse, not knowing which of the six bought what and they of course to not remember.
Best finance app I've ever come across and I think I've used almost all of them by now.