You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons

We really appreciate this app

We really appreciate this app, having it on our phones makes it easy to use and keep track of our budgets.

YNAB has been life changing

YNAB has been life changing! I soooo love it! Couldn’t imagine my life without it!

Best finance app I've used

YNAB is really user friendly and has an intuitive UI. I also appreciate the expansive help center, help articles and content if you're just interested in learning more. I also really love Hannah's videos, I would say of all the content and help videos, articles, etc, I actively watch heard it from Hannah even if the content I learn from the new video is not new to me. She's awesome.

Take the Leap!

Hey, you. Yes, YOU. I know you’re thinking, is this right for me? Can it really get me where I want to be? 1,000% yes. I just crossed the one year line of using YNAB. I’ve always been terrible with money, because I had no one teach me how to use it to make it work for me. In the past year, I fully paid for two stays at the hospital, paid off the balance for my parents cruise as a gift, and…AND on January 1st I paid off my car 16 months early. Never in my wildest dreams would I have thought ...

Best app on my phone so far

Best app on my phone so far! It has been more than a year now that I'm using YNAB and it literally changed my financial health. It's for everyone, no matter how much money you have/earn, what objectives you have. Great videos also! You'll sleep better :)

All around great app and life-changing experience

Whether we're using the Android app, iPhone app or the browser app, the YNAB experience is top-notch. That, combined with all the learning resources you need (created by both YNAB itself as well as several YNAB-entusiasts), makes for a well-rounded, truly life-changing relationship with a service we have grown to love very much.

YNAB is the best personal finance tool on the market

I have been using YNAB for 13 months now and have turned most of my family onto it too. I have always been pretty savvy with my money but did have trouble sticking to a budget method (Mint, paper tracking, Excel) for longer than a couple of months. YNAB is easy to use, incredibly customizable and versatile, and has been a game changer in managing my money as my income has increased. My net worth has risen over 200%, I’ve paid off debt, I’ve paid for a huge vacation in cash, and have no ...

YNAB has been life-changing!

I have been using YNAB for a little over a year now. It's one of the few new years commitment I've ever been able to keep. I use it every single day. The concept of zero balance budgeting is life-changing. Truly. Every dollar having a job is so simple yet transformative. It is NOT the same as Mint or other tools. It's fundamentally different. Setting it up takes a bit of time, but so worth the investment and helps you to really think about your goals and get organized. YNAB gamifies ...

I love this tool

I love this tool! Allows me to create multiple budgets even share a budget with someone. I love the scheduled transaction function and the split function. And the mobile app is easy to use. I have increased my net worth by 12% since July using YNAB!

The app helps you save money

The app helps you save money. I have been using it for years and couldn't imagine not having it. One little area to improve would be splits in the mobile app.