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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Rachel
04/19/23
Ease of transaction imports and…
Ease of transaction imports and categorizing
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Emma
04/19/23
An empowering tool
"Money is a great servant but a terrible master." I've been using YNAB for almost a year and it changed my approach to money in general. I'm much more responsible now with the resource I have as I budget every important aspect of my life with intentionality. YNAB opened my eyes on the multiple possibilities to reach my goals ! Thank you for constantly curating this empowering tool.
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Terry
04/19/23
YNAB is a great tool for budgeting
YNAB is a great tool for budgeting. I can link several accounts and it imports my transactions. My only gripe right now is that it often categorizes them wrong and I spend a lot of time fixing them. UPDATE: YNAB customer service contacted me and was very helpful showing me how to customize transaction imports to avoid the auto-categorizing issue. I'm a happy camper and bumped my review to 5 stars.
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Zaid Marridi
04/19/23
The BEST Support Ever!!!
I keep insisting that YNAB is the best thing that happened to me in my life. The support - talking to actual human beings that know their stuff - is phenomenal. You don't see that anywhere else. In fact, I've never had such amazing support before in my life. I don't know what they did to make me love YNAB so much, but it's like a positive experience after another, how could I not love it?! I used the Free Trial of YNAB and tried it for a month, during it, I watched so many of their videos ...
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Wilsandra
04/18/23
I looooovveeeeeee YNAB
I looooovveeeeeee YNAB. Im a CPA and it was super tough trying to find an online budgeting tool that checked all my boxes. I was so happy to come across YNAB, it checks all of them and more. There’s of course some room for improvement regarding the actual functionality, but I’m sure it will be fixed with time.
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NIKOLE
04/18/23
YNAB Staff are Awesome!
YNAB staff are always friendly & helpful. Awesome to work with & quick to help!
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S.Parker
04/17/23
Worth every penny
Using ynab.com and for the first time in 40+ years - budgeting actually makes sense to me. They offer 4 clear rules that are easy to understand and implement. By giving each of my dollars a job to do before spending them, I am able to see my budgeting priorities clearly and work towards achieving them with so much less stress. I can roll with the punches life inevitably sends my way. Excellent courses and videos to help with any/all questions. Customer service is knowledgable & friendly. ...
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Beth
04/16/23
What makes YNAB great!
What makes YNAB great is all the user-friendly features and the fabulous support team that is available with answers and information any time I need it! When I had an issue with linking my bank, I got friendly support help, lots of updates and a very personalized experience with my solution. Everyone who helped out was very positive and upbeat, answering all my questions and getting me back up and running as fast as possible. Thank you YNAB!
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Josh
04/16/23
YNAB has been an incredibly helpful…
YNAB has been an incredibly helpful tool for our finances. I even use it for my small business. The function of the website/app are awesome. They are continually making it even better. The online content/training is amazing. Use the tool. Use the education. It can help you build financial stability. Easily worth the cost of the subscription, without question. If you're on the fence about it, you shouldn't be.
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Carlos
04/15/23
YNAB will help change the way you think about money
YNAB has an incredible community, extensive content to dive in and learn their methodology. This app will change the way you manage money. I love going in checking and revising my budget it makes paydays even more exciting.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].