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

YNAB gave me mastery over my money

I've been using YNAB consistently since Nov 2019. Since starting, I have so much more clarity on my money, I'm way better at planning where my money goes, and I have much less financial stress because I immediately know what I can and can't afford. I used to use spreadsheets for my budget but they were too static and my forecasting never lined up with the actual spending; I could never go back to that, I'm a YNABer for life.

Long-time user, very happy with it

Have been using it for 5+ years. Hands down the best budgeting app and budgeting philosophy I’ve ever used. Both mobile and web apps work great.

Budgeting... Easy enough for Dummies,

This is the first time I've been able to succeed with a budget. The training was priceless, but the app is intuitive and easy to understand. Only using one bank acct has changed my life also. This app makes money easy. I haven't been late on a single bill - even the annual ones, since starting!

YNAB is a brilliant budgeting program

YNAB is a brilliant budgeting program. I've used it for over 10 years and am still recommending it to friends. There is a lot to learn, but their education programs are next level. If you have a problem - someone will have a solution. The user community is very active too.

YNAB works beautifully.

YNAB works beautifully on PC and Android. Support is excellent and there are regular improvements. Data is always your own, unlike some other finance programs.

Easy to use

Easy to use. You can always get help if you need it

The cigarette carton budget

My first lesson in budgeting came as a child when my mother showed me the empty carton for Kent cigarettes that lived on my father's dresser. Each empty flip-top box had been set back in the carton, so there were 10 labeled compartments. My mother showed me that, while some had money in them, the compartment labeled Entertainment was empty, so I could not go to the movies. It now seems like a 1950s anachronism to use cigarette packaging to create the family budget, but it was a very ...

Great support from the YNAB teamteam

Great support from the YNAB team. It's kind of expensive for the monthly subscription, but it's the best money you'll ever spend. This budgeting software has turned my life around in the past three years, but realistically it took less than a year to make an impact.

We have used this service for a year…yes

We have used this service for a year and finally we are debt free and have one months reserve money for next month. Our plan is to have 3 months reserve before we start our savings program. We have made problems but YNAD has helped us stay on track and it feels great. Mike

This app has changed my life 🎉

This app has changed my life. The first month I used it, I felt like I got a raise. The app is smooth and the UI is excellent. I do not have any anxiety around money now – when any bill comes up because I've already accounted for it. I cannot recommend enough!