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 1241-1250 out of 1501
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Caylie
01/31/23
YNAB has given me peace of mind!
YNAB is the only budgeting software that has worked for our financial situation that I have been able to stick to. I love how it applies the Zero Budget philosophy while being fully customizable. I love the community and resources available. The customer service team is amazing! YNAB has given me so much peace of mind and security knowing what my money's job is and where it has gone.
K
Kayt
01/31/23
YNAB is AMAZING
YNAB is AMAZING. The only reason I've been able to successfully budget is because YNAB teaches you the right way to do it AND makes it super easy to do. I've made more progress paying down credit card debt since I started using YNAB, and I actually look forward to getting paid partly because then I get to assign money lol
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Emalee
01/31/23
Review
I love that you can connect to your credit card instead of manually putting in each transaction each time.
D
DMara
01/31/23
Excellent company
Excellent company. Amazing product that I use everyday.
MV
Mike V
01/31/23
Life changing.
Since enrolling in Fall 2021, I am debt-free (aside from my mortgage), my net worth has gone up 50%, and I have been able to enroll my kids in private school. I'm a disabled veteran, and in 18 months I went from desperately waiting for my deposit on the 1st of every month to having a 75-day cushion. I feel so strongly about YNAB I applied for a job there (they did not hire me).
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Carly
01/31/23
YNAB Love
YNAB is the fist budgeting system I've continued to use and see results. I am still learning new features, even more than a year later and it's the first time I've budgeted instead of "tracked expenses" which makes all the difference for me. I am a HUGE proponent of the YNAB way!!!
S
Sean
01/31/23
I’m finally able to stick to a budget…
I’m finally able to stick to a budget with YNAB!
SP
Samuel Potisk
01/30/23
This is the best budgeting tool
This is the best budgeting tool! It has a simple philosophy, that works. They have plenty of tutorials to teach you how to get the most out of it. The iOS app is pleasant to use, as is the web app.
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N.R
01/30/23
So glad we found YNAB
So glad we found YNAB! The software is genius. The support is phenomenal. And the online tutorials are great for the beginners. Will be YNABers for life!
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Nate
01/30/23
Great tool… if you use it right
Very user-friendly and intuitive tool to track expenses and budget. If you use it daily, it’s amazing. If you don’t, it can be frustrating. I highly recommend it for someone who wants to get hyper focused on saving or paying off debt and is willing to spend the time to track expenses daily.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].