9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
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Spotsaas Editor’s POV
YNAB (You Need A Budget) uses a digital envelope system where you allocate money to specific spending categories before you spend it. This requires upfront discipline—you must categorize every transaction and adjust allocations monthly. If you prefer passive tracking without active budgeting, YNAB will feel restrictive. The app syncs with most US banks and ...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.
Smooth 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 1311-1320 out of 1501
T
Terrence
01/03/23
YNAB is the best I've found.
As a long-time YNAB user, I can say with certainty that they've worked hard to improve the interface and add useful features over the years. They're also very active in the production of podcasts, videos, and articles geared toward helping folks become better at using YNAB and budgeting in general.
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Karen
01/03/23
I love that I can have two budgets on…
I love that I can have two budgets on the same account. Easy to use and great customer service. May you all be blessed this New Year!
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Kaleb
01/02/23
It simply works - what more can you ask from a budget
Been using YNAB for more than ten years and can't think of budgeting any other way. It simply works.
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01/02/23
I absolutely love ynab and has helped…
I absolutely love ynab and has helped me tremendously with organizing my finances. However, this past year I've faced quite a few issues with bank imports not syncing correctly/in time. I see there have been improvements already but it's still not perfect. If that could be fixed it would be great!
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Sara
01/02/23
I love how YNAB’s four rules has…
I love how YNAB’s four rules has brought me Money Peace!!
J
Josh
01/02/23
The system works
The system works. I've gone from never saving any money at all to doing so regularly. YNAB has been a ridiculously good quality of life investment.
GT
Gina T
01/02/23
I love YNAB
I love YNAB! I've been using it for a few years now. There isn't anything else out there like it. I've looked and looked and everything else out there just isn't the same where you can customize your own categories. The price has gotten kind of high, but I'll pay it, especially now that they've added the feature to share (like Netflix) with others. I have been able to save my daughters and mother-in-law the cost so they can use this awesome tool too. I can't say enough about how helpful ...
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C
Chrysi
01/02/23
Easy to use
Helps me save money by displaying all my information in an easy to understand format.
PN
Paola Nasser
01/02/23
Great app
Great app. Best way to manage personal budget. Great customer service too!
A
AMP
01/02/23
Great product
Great product. Great price.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].