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 1261-1270 out of 1501
JV
John V
01/24/23
YNAB is a solid app
YNAB is a solid app backed by a very informative web site, a legit customer support team, and an amazingly supportive community. The app has saved me money and created invaluable peace of mind, as I always know what money I have and what purpose it is assigned to. Working with a certified YNAB coach is very valuable for getting up to speed quickly and accurately. The money I spent on working with a coach I made back three-fold by plugging budget leaks, giving all my money specific purpose ...
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M
Melissa
01/24/23
Keeps us on track
Great app and the blog posts are always helpful. I got a little frustrated/confused about credit cards but the tutorials basically cleared it up.
JC
Jennifer Connelly
01/24/23
Life changing
It took time to really dig in and learn the software well, but once I did it has been life changing for us. I feel so on top of our finances and know where every dollar is going. We have been able to save so much more!
C
customer
01/24/23
The YNAB mindset makes my financial…
The YNAB mindset makes my financial life more successful and the syncing makes maintaining it manageable. Definitely use Nick True videos to get you started- it’s worth pushing through the challenge in the first two months.
CN
Cathy N
01/24/23
YNAB has been life changing for me
YNAB has been life changing for me. I started using YNAB a year ago and have never truly budgeted before, but I wanted to get a better handle on my expenses before retirement (in 3 years). My only regret is that I waited this long to start (I'd be retired by now if I hadn't waited). The software is so powerful, but the concepts are simple. YNAB has me thinking differently about my money and what is important, and I have been able to trim insignificant stuff out of my budget which really ...
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T
there
01/24/23
YNAB is so easy to use and is such a…
YNAB is so easy to use and is such a great tool for helping to budget and plan for larger expenses and keep us on track monthly. Love it!!
L
Linz
01/24/23
Absolutely love this app
Absolutely love this app. It helps me budget better since it only focuses on the money I actually have at the moment.
A
AP
01/24/23
Great app once you know how to use it.
Date of experience: January 25, 2023
C
Chimé
01/24/23
YNAB lover, first time reviewer
I'm not a review writer so the fact that I'm reviewing YNAB speaks for itself. Ive been using YNAB for a little over a year now and it's drastically changed my relationship to money. I've tried other software and apps but nothing stuck for me. YNAB is easy to use and intuitive. I've reached out to support a few times with questions and always received a prompt and helpful reply. Plus YNAB's weekly newsletter and podcast is super helpful and engaging. Would recommend YNAB 10/10.
N
No
01/24/23
Great tool
Fantastic tool to build financial discipline.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].