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 1161-1170 out of 1501
JD
Julie Dews
02/25/23
YNAB has changed the way I feel about money.
YNAB has changed the way I feel about money. I'm recently retired, and before YNAB, it was scary trying to figure out if I really had enough money for everything. Now I don't have to stress about money (for the first time in my life, really) because I can look at my categories and see the amounts I have reserved for each expense. I actually love looking at my budget. Some of my friends worry a lot about money, but they avoid "budgeting" because they see money as scary and upsetting to focus ...
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Janae
02/25/23
Easy to use and reduces my stress about…
Easy to use and reduces my stress about money. Also makes financial discussions as a couple much easier.
E
Emily
02/24/23
Helpful in achieving financial goals
Helpful in achieving financial goals. Amazing way at tracking spending. Works forward to my next month which I have to worry about. It’s been fabulous this last year. Working on debt and getting it dwindled down and YNAB has been helpful for that
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Amy
02/24/23
After searching for years for a tool that works……
After searching for years for tools that help me budget the way my brain works, I found it in YNAB. The learning curve is steep but like anything good, you get what you give. You can set your system up how you want and tend to it on your terms, some aspects can be automated and then it’s just magic!
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vic
02/24/23
Great app
Great app, simple, well designed and useful. Price is a bit steep though for today’s apps standards. After all, it’s only a good interface design for an excel sheet.
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Eliska
02/23/23
Best budgeting app I have ever used!
Date of experience: February 24, 2023
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Nate
02/23/23
Didn't think I needed it
Didn't think I needed it. Wrong. Has done nothing but save me money.
K
Kelly
02/23/23
Game changer
YNAB has completely changed the budgeting game for me! I feel like I truly have a grip on my money and where every dollar is going since using the app. The videos are also a huge help and very insightful, not to mention hilarious! Thank you YNAB!
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Jenny
02/23/23
We love the ability to work together on…
We love the ability to work together on our budget. We each have it on our phone -so no excuses.
MC
Mark C
02/23/23
YNAB allows me to tell my money where to go
After listening to the YNAB book, I felt ready to be in charge of my money again. I've tried various systems, but YNAB works for me better than anything I've tried. It lets me "tell my money where to go", create "virtual envelopes" to budget ahead especially for big recurring expenses like car tabs and insurance, connects with all my bank accounts to import transactions, and it lets me categorize transactions right away and it matches to the transactions later after they clear. Nothing else ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].