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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Showing 1061-1070 out of 1501
AS
Adilbek Sultanov
04/02/23
Amazing customer service
Date of experience: April 03, 2023
MC
Michelle Child
03/29/23
I LOVE YNAB
Switched from Mint to YNAB a year ago and haven't looked back! Feels 100% worth the investment for the granular control over my budget and learning why it's important to 'give every dollar a job.' The cons I have experienced with YNAB are: late returns can really mess up your credit card category and consequently the 'ready to assign' amount in a way that is confusing to fix. Also, it would be awesome if the investment account feature was improved to accommodate more financial institutions ...
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T
there
03/28/23
Best budgeting system I ever used to…
I have tried many systems but YNAB Is the Best budgeting system I ever used to keep me accountable! Worth the money!
L
Lisa
03/28/23
Love it
Love it! You’ll thank yourself if you get it.
R
Rick
03/28/23
Financial game changer
This program has been very impactful over the years, however starting in early 2022, my wife and I set on a journey to financial freedom. YNAB has provided the tools necessary to be more disciplined. We have not missed a reconciliation for a full year now, something we have never done throughout our marriage. Highly recommend this program/app.
JD
Joanne D
03/27/23
Money goals achieved
YNAB has simply helped my money goals become reality. After years of budgeting on a spreadsheet, I started YNAB in a desperate effort to streamline communication between me and my spouse and not be stuck endlessly editing a spreadsheet that just never seemed to work. One year later I can confidently say I has no regrets, I only wish I had done it sooner.
T
TH
03/27/23
Excellent budget app
The app is excellent and works very smoothly. When there are parts that are not immediately intuitive, the explanations on the website and/or videos are very helpful. The philosophy behind YNAB has been very good for my family and budget.
TH
Todd Hinson
03/24/23
Great product to keep track of your finances.
I've been using this product for over a year and it's really intuitive. There were a ton of resources online to help you navigate. The credit card management process was a little tricky for me at first but I figured it out.
J
JH
03/24/23
YNAB is an excellent way to track your…
YNAB is an excellent way to track your monthly/annual expenses and manage your cash flow. My wife and I have found that conversations around money are much more enjoyable and our spending is guilt-free because we have a plan. YNAB has great customer support and creative content to read/watch. I highly recommend that you consider YNAB for your budget/cash flow needs.
T
there
03/23/23
YNAB has been the answer to what I need…
YNAB has been the answer to what I need for organizing my budget! First maybe 2 months can be a challenge but don’t give up on it.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].