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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Greg
12/06/22
Still great after all these years
I have been using Ynab for a number of years now and continue to be impressed with how much it has helped to keep my financials in good order. I love it and recommend it to many friends and family.
J
Jordan
12/06/22
Love this application!
Love this application! I have been using YNAB for a bit more than a year now and love everything about it! There's a bit of a learning curve, but this budget feels so natural compared to others, and I don't have a bad thing to say about it!
U
User
12/06/22
Great Product
I have loved YNAB and use it in my school department with my students. It’s a great tool for getting a handle on your budget.
HY
Happy YNaber
12/06/22
Love the platform
Love the platform! It’s easy to use and you can have multiple budgets under the same login which comes in handy if you have a business.
U
User
12/06/22
Great Product
I have loved YNAB and use it in my school department with my students. It’s a great tool for getting a handle on your budget.
JH
Jennifer Hoopes
12/06/22
I've used YNAB for a few years now
I've used YNAB for a few years now. I have used it off and on. When I have an income and I am able to be paying on things this app really helps me keep my money straight and allows me to stay on top of my finances. I really like how you assign money to where you need it to go. I also like that i can link up to most of my accounts. I use the mobile app the most, so trying to use the pc version is more difficult for me, but i like how i have the option of using my pc or phone and still have ...
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G
Greg
12/06/22
Still great after all these years
I have been using Ynab for a number of years now and continue to be impressed with how much it has helped to keep my financials in good order. I love it and recommend it to many friends and family.
IC
Ian Ceicys
12/06/22
You need a budget saves us thousands of dollars
You need a budget has saved my wife and I hundreds of hours on better managing our finances. We enjoy it's simplicity and the flexibility it provides for how we can budget and track our spending.
T
Tami
12/05/22
Forever a YNAB Customer
Ive been a faithful customer of YNAB since 2010. That is 12 years. YNAB has helped me to budget adn plan for future expenses more than any other app or program out there. Trust me, Ive tried them all. Every time a new one would come out, I would try it and come back to YNAB ALWAYS. It truly is the best budgeting app out there. I love all their tutorials and amazing support.
C
Caleb
12/05/22
reccomend to anyone trying to get their spending in line
learning curve is a little steep, but this is a powerful way to manage your household budget...and the app is very well designed (I use desktop, not mobile). It's easy to see where your money is being spent and set limits.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].