9.4
SpotScore
You Need A Budget Reviews in July 2026: User Ratings, Pros & Cons
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You Need A Budget Reviews & Ratings
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Spotsaas Editor’s POV
YNAB (You Need A Budget) uses a digital envelope system where you allocate money to specific spending categories before you spend it. This requires upfront discipline—you must categorize every transaction and adjust allocations monthly. If you prefer passive tracking without active budgeting, YNAB will feel restrictive. The app syncs with most US banks and ...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.
Smooth 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 111-120 out of 1501
DW
Doug Whyte
04/07/24
YNAB Simplicity and Ease of Use
The simplicity of getting things set up was outstanding and my budgeting is allowing me to monitor my money's job with ease!!
PG
Paola Gonzales
04/04/24
YNAB has changed my LIFE! HIGHLY recommend!
YNAB has changed my LIFE! I was in debt and my bank account was -$700 weekly. Paycheck would come in and barely had enough for 1 bill. I'd pay the month priors' bills at the end of the following month; that's how behind I was. I would go the week living off of ramen noodles because I had to sacrifice not buying groceries to make ends meet for gas to get to work. One day I had a melt down and a family member told me about YNAB. They told me it was $15/mo but worth it. I hesitated because $15 ...
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J
James
04/04/24
Excellent budgeting app
YNAB is an excellent budgeting app. Enough said.
P
Penny
04/03/24
It’s an everyday task I enjoy
It’s an everyday task I enjoy. Life changing. I always have enough money and it allows for self awareness.
J
Jeremy
04/03/24
Might change your life!
At first, YNAB was great. This system worked 100% and helped my wife and I save over $30k in a year, with no changes to our finances income. The only thing that changed is YNAB gave us a way to track our spending! Major win! Loved it - but in the most recent update, syncing has stopped working. I’ve reached out to support me they are very friendly, but no working solutions yet. I used to have one bank account, but that bank wouldn’t sync, so we moved everything to a new bank just to have ...
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C
Chloe
04/02/24
Amazing amazing amazing
The platform and method are amazing and foster a complete mindset shift. The customer support is also great. They are responsive, helpful, friendly, and incredible troubleshooters! I will be a lifelong user, and I recommend YNAB to anyone who will listen.
B
Bridget
04/02/24
YNAB turned my financial life around
YNAB turned my financial life around. It has been a year and I have no anxiety about money anymore. It is a joy to go to the website and easy to do. Thanks YNAB!
E
EM
04/02/24
YNAB is great
I've been using YNAB for more than a year now and it has helped my husband and me to finally work together on our budget. I also enjoy the instructional videos from the company. They are entertaining and cover a wide range of topics.
P
Petra
04/01/24
It takes time and patience to change your money habits.
They repeat again and again the principles of YNAB (the 4 rules) but also have funny and inspiring videos on You Tube. And that's what you need because you don't change your money habits in a day. It takes time and patience to really get it and how to bond in trust with your money
A
ame
04/01/24
Works as expected and has helped me…
Works as expected and has helped me maintain a healthy budget
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].