9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
Add to compare
You Need A Budget Reviews & Ratings
Are you using You Need A Budget?
Spotsaas Editor’s POV
YNAB (You Need A Budget) uses a digital envelope system where you allocate money to specific spending categories before you spend it. This requires upfront discipline—you must categorize every transaction and adjust allocations monthly. If you prefer passive tracking without active budgeting, YNAB will feel restrictive. The app syncs with most US banks and ...Read more
You Need A Budget pros and cons
YNAB provides a digital envelope system that helps users understand where their money is going, promoting better financial decisions.
Automatic importing of transactions from banks and credit cards simplifies tracking expenses and ensures users spend within their means.
Smooth transition between mobile app and desktop browser aids in convenient tracking and balancing of finances.
Helpful resources and videos assist users in understanding and utilizing the platform effectively.
Steep learning curve initially for setting up and understanding the platform, may require some time and effort to grasp fully.
Some aspects of the software are tricky to grasp, and newcomers might find the platform complex without sufficient support and resources.
Filter results
Sort by :
Showing 991-1000 out of 1501
A
Annemarie
04/26/23
YNAB is user friendly and for the one…
YNAB is user friendly and for the one year I have been using it I now have no credit card debt. I have money in the bank and am now at the point where I can put extra away every pay towards things on my wish list. I love knowing where every penny is going every month. Absolutely love getting the emails with tips. Thank you for all you do to make my life less stressful. I am very happy and will remain a loyal customer for a long time.
BM
Ben M
04/26/23
Great Delivery of Core Principles
Clean and fast interface. Great underlying principles from the company that inform the design decision and data to be displayed.
J
Justine
04/25/23
Excellent app
Excellent app, easy interface, great instructional videos, upfront about pricing. I'd love to see them openly prioritizing a backlog of features, but overall I recommend this continuously. A+ product.
M
Mason
04/25/23
One of the most helpful tools I have…
One of the most helpful tools I have found! For the way my brain works, it visually gives me a full picture of things coming up throughout the year to help my financially prepare.
L
Lisa
04/25/23
The software has become essential to my…
The software has become essential to my financial life. I use it for both personal and business. It’s much easier to find a past transaction here than in my accounting software. It makes it easy to make financial decisions when I know exactly if I have money available for that type of purchase (or if I can take it from some other non-essential category). I had a problem with my budget early on and the support people got into my budget with me and showed me where I went wrong.
JW
John Walker
04/24/23
No stress. No surprises
No longer stressing out about money and unexpected bills
A
AE
04/24/23
Love YNAB
Love YNAB. Great budgeting and money management tool.
T
there
04/24/23
Great App!
Great customer service. Impeccable understanding of the product. Nicely done!
JF
Jason Fisher
04/24/23
YNAB is amazing and helping me hit my goals!
The software is amazing and has helped me make progress toward my financial goals far better than spreadsheets ever did. I love the mobile app just as much as the web app on my desktop. There is also robust support and online community.
G
Gabrielle
04/23/23
I absolutely love YNAB
I absolutely love YNAB! From the blog posts to the tutorial videos and virtual classes, I now have complete visibility into my finances and future financial goals. The only point of improvement for me as an Amex user would be to fix the transaction import delays. I do know YNAB is actively working on this.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].