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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T
there
02/11/23
This program is so helpful for managing…
This program is so helpful for managing your money day to day before things get out of control. It's the first money management system I have used where I'm not tearing my hair out every week trying to reconcile an account or make sense of discrepancies. Big thumbs up for this product!!
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Olli
02/11/23
YNAB-Love
+ great and fast support + In the beginning (tough times) my trial period got extended. Made me a loyal customer and helped stay. Very grateful. + Tried out many products to stay in control of my budget: YNAB fits me best. + Constant Updates giving me a great basic feeling. Things to improve in my opinion: -> Multilang support -> I would really like to become something like an "ambassador" in Germany and convince friends of YNAB, but often the language barrier is a show-stopper. -> I think ...
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Emma S
02/11/23
Highly recommend
I have used YNAB for many years now. I credit it with so much as our family faces challenge after challenge. YNAB, Jessie and team have made such an honest and trustworthy product to rely upon no matter what the fortunes of the day. Always underpinned with integrity, kindness and help when needed. 10 star service, Thank you and highly recommended,
AF
Alexandre Fischer
02/10/23
Great tool
Great tool! If you've had (like me) no formal education in personal financial management/budgeting, you'll find this tool super helpful and easy (even fun) to use. I could not live without it now!
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Jennifer G
02/10/23
YNAB is fantastic for budgeting!
I’ve been using YNAB for a year and it has completely changed the way I look at money. We were in a tough financial spot last year, but YNAB allowed us to stay on track and keep our heads above water. It’s easy to use and understand. I highly recommend YNAB to anyone who wants to start budgeting their money!
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Pon
02/09/23
This app is amazing
This app is amazing! It is very efficient and very helpful. I became in control of my financial and also cautious more with my spending habit.
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Angelique
02/08/23
Finally sticking to the budget
Sorry, english is not my native language. I was always good in making a budget. Never had any debt, exept a mortgage. But I often spent more then I budgeted for. Because my budget was an excelsheet on my computer and I didn't had it with me in the store when I did a purchase. It was never really a problem because afterwards I could take the money from an other categorie. But now, with the YNAB-app, I have my budget in my pocket. If I see something I like I can check if I have the money for ...
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R
RK
02/08/23
A budgeting app that keeps me accountable
Only app where I’m actively engaged. Has definitely helped me grow my savings!
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Jimgrimm
02/07/23
Took a while to set myself up because…
Took a while to set myself up because YNAB is different to other budgeting tools I’ve used. Helpful videos to set me up right, and the length of trial was helpful as I’m on a monthly pay cycle. Now my money age is over 45 days
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Daniel
02/06/23
Greatest budget of all time
YNAB is a highly effective method of budgeting with excellent software to go with it. Using YNAB I feel like I am always 100% in control of my money. The YNAB support team is second to none with their one-on-one technical support, always replying to my emails within 24hrs.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].