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

10 years of YNAB Bliss

I have been with YNAB for roughly 10 years now, I started in University where I needed to optimize every dollar as I didn't have many. YNAB has taught me that a "total" number in an account doesn't mean much, for life is expensive and requires that you assign your dollars appropriately to every possible incoming expense. I have watched my friends spending over the years greatly inflate and they always worry about money. I feel like I'm in control of my money and as a result, I have watched ...

My First Apartment

YNAB is incredible. I was decent with spending and saving money before, but now I'm a pro! I've been using YNAB for almost a year now and I'm never looking back! Because of YNAB and a higher paying new job, I was able to afford my first apartment and just moved in recently! I'm currently 4 months ahead of paying rent and my renters insurance and internet can be paid off for the rest of the year! Budgeting has never been more freeing or more fun thanks to YNAB!

I was dreading logging onto YNAB after ignoring it for months

Recently I logged onto my YNAB for the first time in months, determined to get it all updated and current. I expected to spend several hours getting it all cleaned up. I was pleasantly surprised at how quickly I was able to bring my budget up-to-date with very little frustrated guessing on my part to determine what I spent money on. I am once again logging on several times a week to keep things current, but I am very impressed with how easily and seamlessly I was able to get my budget updated.

Love it!!!!

It is a fantastic app. I started using it a couple years ago, I went through all the training sessions (pre-recorded and live) and loved the concept and how it worked, but the timing wasn't right for me. I finally got everything in order that I needed to use it and it was so simple to pick back up and either make a new budget from scratch or create a new one from my old one. The features available make it so easy to track and more importantly plan where your money is being spent. I love it ...

Life changing app

Over 5 years in and this app has changed our lives. Wonderful product and customer support.

YNAB changed my whole experience with money

I have been using YNAB since 2010 and it has changed my whole experience with money. I no longer run pay check to pay check and save up for things I actually want, including a house.

Happy customer for MANY years

Been with YNAB for years and never looked back. Lots of videos and information available to get you started. Always improving the user experience, love them :) Recommended to friends and family and they all love it too.

YNAB is a lifestyle.

It's just that YNAB is much more than an APP, it's a lifestyle and I'm not trying to sound cool or anything. All the resources online are a real education. I'm more financially savvy now than ever before and all thanks to YNAB.

Continually delighted

YNAB thinks about the guest experience around every turn. Continually delighted!

I’ve been using YNAB for years and…

I’ve been using YNAB for years and don’t know how I would have a handle on my cash flow without it. Great tool. There is a learning curve to get stared but they do a great job with education and helping you along. Highly recommend.