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 1361-1370 out of 1501
J
Julie
12/19/22
LOVE YNAB
LOVE YNAB! Have been using them for over 10 years. HIGHLY recommend YNAB :)
M
Martin
12/19/22
Great app with the best support
Frankly the best app with the best support with free training and a great community.
T
there
12/19/22
Love it all
Love the language, the look, the usability!!
D
Dave
12/18/22
Intuitive Budgeting Tool
Intuitive tool for a variety of budgeting methods. Huge library of educational material.
É
Étienne
12/18/22
Great overall
The rules to follow are easy and the sync with my bank account works flawlessly!
N
Nina
12/15/22
I've been using YNAB for 12+ years
I've been using YNAB for 12 years or more, they continue to make improvements to both their web app and to their IOS and Android apps. The overall principal of how the software works and the ideology has stayed the same though. I recommend YNAB to basically everyone I meet. They're great about helping out first timers and people who have been using it forever. There's so many resources available as well.
C
Celeste
12/14/22
YNAB changed my life
YNAB changed my life! Love it. Great tool!
C
Cathy
12/14/22
Excellent product and great service
Excellent product and a really great team to deal with. Best software company I have ever used. The software is life changing, the training and info is super and you know that they really want their customers to use and benefit from it, not just buy it. Constantly improving and adding features. Would not be without. Have used it for 6 years and counting.
O
Okmaggieko
12/13/22
YNAB changed my life
YNAB changed my life. Showed me what I could do better and enabled me to save for a down payment in two years. Life changing.
A
Awf
12/13/22
intuitive and easy to use
YNAB is intuitive and easy to use, both via app and desktop site. The team seems to be transparent and is helpful when answering questions so I get the most out of it.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].