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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Betsy
02/14/23
We have been able to get out of debt…
We have been able to get out of debt totally in the year we’ve been on YNAB. We know where are money is going now.. it’s been an amazing experience and will continue to use YNAB
J
Jared
02/14/23
This app has helped me identify…
This app has helped me identify financial goals and save with a feeling of accomplishment.
J
Jonathan
02/13/23
YNAB is best
YNAB is best budgeting application available. It is an American program but links with major UK banks. Its zero-sum budgeting approach really helps you to reduce debt and avoid/cushion financial shocks in the future.
K
KaitR
02/13/23
It has a learning curve (that isn't…
It has a learning curve (that isn't very steep, there are plenty of resources to help) but once you get the hang of it, this program is life changing.
M
McD
02/13/23
The Process, App and website are great
The App and website are great. The process has greatly helped my family manage our money well for over 6 years now!
S
Stacy
02/13/23
Before/After YNAB
Before YNAB, I was never able to budget correctly! I was always coming up short here and there. Now that I’ve used this software for a year, I’ll never be without it. I’m budgeting on a whole different level now, have more money in the bank than I ever have and it’s all assigned to go where it needs to go. I love YNAB!
SR
Sofie R
02/12/23
Excellent budgeting system
Excellent budgeting system that had changed our personal finances. Very good customer services and included courses etc.
S
Sarah
02/12/23
I love YNAB
I love YNAB. I have ADHD, and until YNAB, just couldn’t maintain a budget for any length of time. While there is a bit of a learning curve for YNAB, once you understand the system, it’s incredibly easy to use.
C
Christine
02/12/23
I love YNAB
I love YNAB and tell everyone I know about it. Here are some reasons why: 1) Customer service is consistently friendly and helpful. They stick with you until the problem is solved. 2) There’s no more worrying about if there will be enough to cover upcoming bills. All expenses have been accounted for. 3) I used to record transactions in my check book - no need to waste that time anymore. 4) Videos are funny and helpful. When I first started YNAB a little over a year ago, I watched as many as ...
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L
Loris
02/11/23
May not be for everyone
May not be for everyone, but if it's for you, it will change how you deal with money. Just try-it, 34 free !
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].