9.4
Spot Score
You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
Spotsaas Editor’s POV
YNAB, or You Need A Budget, has garnered high praise from users over the past 12 months, and it's easy to see why. The digital envelope system offered by YNAB has transformed the way individuals approach budgeting and managing their finances. By connecting seamlessly to bank accounts and credit cards, users gain a real-time insight into their spending habits, ...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.
Seamless 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.
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Lorry
04/22/23
The whole thing was a pleasant…
The whole thing was a pleasant surprise: how user friendly it is, the videos to help guide your learning, and the fact that I know where every penny is going. Every dollar has a job. As a parent, we try to reach our children the things they need to know in life. Well, apparently my son is able to yea h this old dog a new truck. I needed this 20 years ago!
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Kevin Garn
04/21/23
YNAB helps budget for large irregular expenses!
YNAB is a great budgeting tool. Most budgeting programs I have used have no relation to how much cash you have in the bank and they don't have a good way of budgeting for irregular expenses such as car insurance payment twice a year. YNAB allows you to see what you have planned with each dollar that is in your checking and savings account and how much is planned for those large infrequent expense. So you know how much you have left for other items. My wife and I have been using it for over ...
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Andy
04/21/23
YNAB has been an extremely valuable…
YNAB has been an extremely valuable resource! We’ve been able to turn around our financial situation in a year and even put thousands away in savings. I recommend YNAB to anyone interested in getting control of their finances.
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Carla
04/21/23
Ahead of the game now!
YNAB has completely changed the way I think about money. I have paid off debt, and have money saved for major experience that I know are up ahead. I have peace of mind knowing my money is working for me now. The cost of the app easily pays for itself. I really didn't think it was possible to be this ahead this fast. I was literally wasting so much money before. I also have a plan to have my car paid of ahead of time. Ynab'er for life!
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there
04/21/23
Been able to be in control of the…
Been able to be in control of the money, my life has been a lot easier budgeting and planning money thru YNAB, I'm still learning to roll with the punches, but now I don't have headaches about those unforeseen situations or a guilt sensation anymore when spending on my hobbies.
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Patrick A
04/20/23
Flexible Budgeting
I have used YNAB for a couple years and will gladly continue. Laying out my budget for what matters most has helped me reduce unnecessary spending, make confident purchases, and allows me to weather unexpected expenses.
EJ
Elizabeth Jenkins
04/20/23
This app has changed our life
This app has changed our life. My husband and I were struggling with organizing and planning with our finances and had accumulated alot of debt. YNAB helped us get back on track and responsibly manage our money by assigning every dollar a job, and keeping a watchful eye over every transaction and category spent. Highly recommend.
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Sara
04/20/23
Keeps me focused
Keeps me focused. There was definitely a learning curve, but now that I’ve learned it, I love it!
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TH
04/20/23
Changed my life!
It's not an exaggeration to say that YNAB has changed my life. I used to avoid looking at my bank accounts and pretty consistently found myself having to use my credit card when my debit was declined. After using YNAB for 10 months I paid off over $9k in credit card debt. I feel empowered knowing where all of my money is going and I'm no longer afraid of my finances. I'm finally in a position where I can start SAVING money! The software is amazing, their blog is a treasure trove of ...
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Jeffrey H
04/20/23
Changed My Relationship with Money Forever
It is the only budgeting/personal finance software/app/website that has actually changed my behavior, rather than feeling like I'm only tracking expenses. I always know how much cash I have on hand and across accounts at all times. I also have a double-digit number of credit cards (because I am a credit card churner), and I can confidently track payments and clear balances as soon as transactions post. It is worth every penny, and after a year of YNAB, I have moved from living one ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].