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 1101-1110 out of 1501
G
Georgia
03/14/23
Not only helps me budget for our…
Not only helps me budget for our personal household but it has the ability to create multiple budget envelopes to track and budget for our rentals! Yes, I recommend YNAB!!!
J
José
03/14/23
Learned, aplied, nailed it!
Lots of resources to learn, and it has CHANGED my financial life, I Got to pay for my MBA and am on a path to save money for me and my family
E
ED
03/14/23
Incredible app!
I really love the YNAB app and its simplicity, as well as the resources available to learn how to use the app and how to gain financial health and stability. The goal options and color coding are awesome. I used to use an excel spreadsheet before switching to YNAB and love all the features it includes (like the mortgage calculator and the ability to link the account directly to the bank) The only thing I struggled with (and sometimes still struggle with) was to understand the credit card ...
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H
Hazel
03/14/23
Great for tracking your money.
Date of experience: March 15, 2023
S
Sarah
03/14/23
Love this app!
Date of experience: March 15, 2023
RK
Ryan Kratt
03/13/23
An Excellent Company
An Excellent company that seems genuinely interested in User success. Its a refreshingly simple, direct, product to consumer model.
L
Ladraney
03/13/23
YNAB is easy and empowering
YNAB is easy to use, addictive, and makes budgeting “fun”. I no longer feel guilt around money, purchases, or my debt (that I am working to pay off). I feel empowered and hopeful. I can’t wait to see what all my money can do for me once I’m completely debt free. Thanks to YNAB.
L
Lucy
03/13/23
🇬🇧 couldn't live without it
🇬🇧 YNAB honestly is the best budgeting app I have ever used. Every year when it comes round for subscriptions to be paid, I ask myself can I go without it? The answer is no! I can keep on track for long-term savings goals, I have paid most of my debt off thanks to this app.l and all my bills have been paid properly since I started using this app 3/4 years ago. Every penny works for you, and it makes you understand where you are spending and keep you on track. I link all my accounts ...
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G
great
03/12/23
Worth the Subscription
I rarely pay for anything on a subscription rate, but this app has covered its costs 10 fold for me. After a little bit of a learning curve and change of mindset, I'm in control of my spending, money and income like I never was when I was younger. I will continue to use YNAB to grow my savings, budget for the future and be in charge of my money.
CW
Chris W
03/12/23
Drastically lowered my money anxiety
I’ve been doing YNAB for 14 months now. It is so easy to see all your accounts in one place like checking, savings, credit cards, 529, investments, mortgage, car loans. Transactions automatically import and you put it in a category. You can be diligent not to overspend in a category, but if you do, it’s very simple to move money out of another category to cover the expense. Since I see every expense line item, I’ve been able to see things that we no longer needed, or we were charged twice, ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].