9.4
SpotScore
You Need A Budget Reviews in October 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 1191-1200 out of 1501
S
Sean
02/17/23
The experience has been life changing
The experience has been life changing. Feel a lot more control of my finances. The education put out by your team is informative and refreshing. Best choice I made last year
A
AC
02/17/23
Prompt and thorough explanations
Prompt and thorough explanations. They made a video to explain how things worked. They were very patient with me and my million questions.
T
there
02/16/23
Hard software but easy amazing…
Hard software but easy amazing tutorials. Don’t give up.
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Shawn
02/16/23
Stress reducer, communication improver!
I’ve been using YNAB for over a year now, and have no plans to discontinue. It has helped reduce my financial stress and anxiety significantly, while also improving my communication with my wife. 5 stars!
MH
Marion Howells
02/15/23
Excellent app well worth it
Excellent app which has made a big difference to the state of my finances over the past year . Just subscribed again and it’s worth every penny plus my daughter can use it free too !
MM
Mark McEwan
02/15/23
Indispensible for me
Indispensible for me. For years I worried about where I stood financially and whether I had enough to pay the bills. Now I never worry at all. I'm several months ahead, I can see it, and it's great.
CR
Cecily Robinaon
02/15/23
YNAB works!
Honestly do not think I would have made it these last couple of years without a YNAB budget to follow. Of course, the first year was a disaster but as the Rules set in all got better. Have been with YNAB for about three years and no longer stress about lack of funds to pay bills, have taken a vacation (first in years) and know where my money goes. What could be better!
A
Alyssa
02/15/23
YNAB has changed my life!
Before I started using YNAB, I was simply tracking my spending and always stressed about my money. I wanted to be able to set savings goals and plan ahead but the app I was using didn't have those options. Since switching, I have learned so much about budgeting and it has truly reshaped my routines around budgeting.
D
DI
02/15/23
Fantastic app
Fantastic app, it solved a major pain point and relieved most of not all of the stress I experienced with respect to financial planning
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Simon
02/14/23
Best budget app so far!
I've been using YNAB for more than a year now, and it's quite a game changer for me! Congrats to the team!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].