You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons

I got YNAB as I graduated from…

I got YNAB as I graduated from university and wow it has helped me create healthy habits around my money as I start my career and it is giving me confidence as I am working to pay off my first car loan!

I have been using YNAB for a year

I have been using YNAB for a year. I have had mixed success (but mostly successful) because I am used to the traditional budgeting approach of creating a budget with money I don't have yet. Transitioning to budgeting with only the funds I have on hand (in the bank) has been a challenge. I have been very dependent on the many YouTube videos available to work through the YNAB program. I have to admit that I made my first budget too complicated, and stopped using it in mid-2022. However, YNAB ...

YNAB is more than just an app

YNAB is more than just an app. It is a money-managing philosophy that has completely changed how I view my own personal finances and budgeting. They provide excellent customer service and a wealth of resources to ensure prospective and current customers are well supported in learning the budgeting system and the logistics of using the app itself.

YNAB helped us save 40% More

YNAB is an easy-to-use accounting software that makes budgeting and tracking expense fun. We've used YNAB for a bit over a year, and during that time we've increased our savings rate by about 40%. More importantly, it helped us see which expenses served our interest and values and which did not. This helped us save more and live more purposeful lives.

YNAB is an amazing budgeting app

YNAB is an amazing budgeting app. It helped me so much the last 2 years and my Net Worth has gone up by 32%! I recommended YNAB to a few friends and they are very enthusiastic too. It is clear, very friendly to use, a fun way to track and budget your finances.

Couple approaching retirement finds hope in YNAB

FINALLY a program that gives us the flexibility that we need but still holds us accountable and helps us to plan and dream! We are finally actually budgeting (and staying on track! 30+ days age of money baby!) instead of just forecasting (and hope it works) or tracking spending after the fact (that never works). We love the credit card part - where we can budget for category spending with money we actually have in the bank, use the credit card to make the purchase (and earn free airfare - ...

Extremely helpful and easy…

Extremely helpful and easy application/service. The support is always fast and accurate. Worth the money.

Most useful app you will ever install!

Most useful app you will ever install on your phone. In my opinion everybody needs a budget. YNAB will help you achieve your financial goals. I'm not on the highest income and do better than most higher earners because YNAB helps me to have my finances under control. Fully recommend!

Great budgeting App

Virtual envelopes for your money. YNAB does all the calculations for you. Make your own targets and YNAB does the rest.

So glad I found this software!!!

So glad I found this software!!!! I used Every Dollar for years and years. This is a different approach that I just love!! I even use this for my husband’s small business! January is my one year anniversary with YNAB. I have retired and my husband is semi-retired. This will be the last budgeting program I will use. No point trying others (I have tried so many), this is the one!!!!