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9.4

Spot Score

You Need A Budget - Personal Finance Software

You Need A Budget Reviews in July 2025: User Ratings, Pros & Cons

Manage your money, meet your goals.

4.3

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You Need A Budget Reviews & Ratings

4.3

Very Good

Based on 35 ratings & 1501 reviews

Rating Distribution

Excellent

(1494)

Very Good

(4)

Good

(2)

Poor

(0)

Terible

(1)

Expert's Review

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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Showing 1391-1400 out of 1501

G

Greg

12/06/22

5 out of 5

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.

H

Heather

12/06/22

5 out of 5

Worth It

Helps me stay on track and see the future of my money.

J

Jordan

12/06/22

5 out of 5

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

5 out of 5

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.

J

Jordan

12/06/22

5 out of 5

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

5 out of 5

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.

G

Greg

12/06/22

5 out of 5

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.

H

Heather

12/06/22

5 out of 5

Worth It

Helps me stay on track and see the future of my money.

M

Matt

12/05/22

5 out of 5

Excellent Budgeting Software

You Need A Budget is not only a great piece of software, but it comes with a philosophy that will help you take real ownership of your finances instead of having them rule you.

VN

VM NO

12/05/22

5 out of 5

Debt free thanks to YNAB

Debt free thanks to YNAB! Couldn’t be happier.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].

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