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 1071-1080 out of 1501
KE
Kristy E
03/23/23
Amazing App!
I have been using YNAB for over a year now. It is extremely easy to use. The 2 times I ran into any issues, their customer service team was on it and had my issue fixed quick.
J
Julie
03/23/23
Game changer!
This program has been a game changer for us! I have always struggled with finding a way to budget our money before finding YNAB.
N
Nathan
03/21/23
Yup. I need a budget.
I bought YNAB at the beginning of 2022. At first I was thrown off by the method because I was had used another zero based budgeting system several years ago that would have me project my income for the month and then budget until I had nothing. I never really bought in to YNAB due to only assigning the dollars that I have right now. However, at the end of the year I thought I would try it again before my subscription was up. It clicked this time. Not only did I start barking orders at the ...
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DW
Danny White, CPA
03/21/23
Best software available for zero based…
Best software available for zero based budgeting. Former quicken user but YNAB is better because it is more forward looking and provides ability to reconcile bank or credit card accounts more frequently.
SM
Stephanie M
03/21/23
Have been using this for a year and…
Have been using this for a year and love it! Has really allowed me to get a better grasp of where my money is going and to plan for the future!
T
TJ
03/21/23
Complex but works well
Complex but works well. Find videos from the guy that lives in mobile and has a beard. Only one I found that tracks cash
C
Catherine
03/21/23
YNAB Made Me the Master of My Money!
YNAB Made Me the Master of My Money! I've been using for a year and it has helped me do what I knew I could do with the right tool. Most money apps look backwards at past spending, only YNAB lets you plan forward and bucket money into categories so you know not to spend it. Before YNAB, each year I would go into debt on credit cards and not understand why. But it was too much to track in Excel or in my brain. Once I went through an entire 12 months and added every category - yes, those ...
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JW
Jared W
03/20/23
YNAB is budgeting for real money, not fake forecasting
The YNAB method has you budget your actual real money that you have rather than forecasting. This lets you really truly take hold of your money and not just doing guesswork
V
Vikki
03/20/23
YNAB has made a big difference
YNAB has made a big difference in our saving and budget management. It feels like we are more in control. It's an awesome visual way to stay on top of spending.
H
Helen
03/20/23
Changed my life!
Worth the multiple tries I did. Directed me to take control of my purchase and know exactly where I spent it. Great ui and great staff!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].