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 1181-1190 out of 1501
EB
Erin Black
02/19/23
This tool has definitely helped us keep…
This tool has definitely helped us keep better track of our finances. The online support sessions helped us get started and the chat options to ask for help has been great as well, I appreciate how quickly I get a response when I ask a question.
F
Frankie
02/19/23
I wish I had found YNAB in college
I wish I had found YNAB in college. YNAB has totally turned around my financial life in the best way. I save for upcoming events (a little each month) and no longer live paycheck to paycheck. I never thought I would be someone checking my budget everyday, but it's the best part of every morning!
RS
Ryan Sheldon
02/19/23
Couldn’t imagine living life without it!
Date of experience: February 20, 2023
K
Katherine
02/19/23
Challenges reconciling multi-currency budgets
In general YNAB is great. My only challenge is that I run two budgets, one for money I have in USD and one for money I have in another currency. The non-USD account shows nicely with the correct currency symbol but it also has two “0” after the decimal, which are not actually used in this currency. It is a bit tedious to need to add two extra 0 when typing in cash transactions (the majority of my purchases). It would be great to have an option to get rid of these. Also, I’d love to have an ...
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MS
Mrs Smart
02/19/23
YNAB has made a huge difference in…
YNAB has made a huge difference in helping me to get my finances in order.
DQ
Diego Quintero
02/19/23
I have control over my money and…
I have control over my money and expenses. I can spend better and save money. Is not easy but is greatly gratifying.
T
Todd
02/18/23
Great support
Great support - very quick to respond if I have questions, and always provide excellent explanations. Support team goes the extra mile to provide quality support to end users - a rarity in this day & age.
R
Regina
02/18/23
Would definitely recommend
While I have always found the customer support personnel to be responsive and helpful, I have rarely needed them. YNAB has given me the confidence to manage my own budget in an easy to use interface. It is well worth the cost of membership each year.
R
Robert
02/18/23
DONT WAIT, GET YNAB!
Wow! YNAB is amazing, honestly it is such a fresh approach to budgeting it has COMPLETLY changed the way my wife and I handle finances and given us freedom, wisdom, and stability where there was anxiety and fear. Use. This. App.
E
Edith
02/17/23
Best by far
I have tried numerous applications trying to organize and mantain a sense of my finances and this is by far my favorite. Being able to plan ahead and assign money is incredibly helpful and the app helps me with adding transactions on the go. Another favorite feature is the credit card and loan account tracker, helping me assign money towards those payments. And I don't have to log into my accounts if I don't want to.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].