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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 1411-1420 out of 1501

LF

Lori Fullerton

11/24/22

5 out of 5

I love YNAB

I love YNAB. It is easy to use once you get the hang of it. If you are struggling in understanding a particular feature, there are lots of tutorials available on YouTube.

JL

Jayson Leahy

11/22/22

5 out of 5

Intuitive, easy to use system.

There is no way I would have been able to achieve the savings I have without YNAB's intuitive, easy to use system.

S

Sam

11/22/22

5 out of 5

Good stuff

Good stuff, helps me budget my finances easily

J

Jacob

11/22/22

5 out of 5

Give every dollar a job

I have been using YNAB for almost 10 years. The biggest difference compared to how I did budgeting before is their Rule 1 - "Give every dollar a job", i.e. focus on the money I have right now. Instead of trying to estimate future income.

J

Jay

11/21/22

5 out of 5

Best budget program and philosophy out there

The budgeting features are great and well designed. But just the overall philosophy of handling your money and budgeting is truly what makes this app great!

JS

John S

11/21/22

5 out of 5

Great product and service

Great product and service, does what it says it will do! Customer support has been great anytime I have needed them. I have tried several other budgeting products and methods in the past, but YNAB is the first time that I have really felt on top of my finances!

A

Adam

11/21/22

5 out of 5

YNAB User for Many Years

I've been a user for many years. It's kept our finances tracked and clearly organized. It's simply indispensable for us.

M

Matt

11/21/22

5 out of 5

We have used YNAB for several years and…

We have used YNAB for several years and love it. The age of money feature is totally unique and super helpful!

L

Laura

11/19/22

5 out of 5

Holiday Budget Helped by Targets

I realized that I needed to create a new budget heading into the holiday season, so I wouldn't over-spend. I used YNAB because of its Target Types function, which lets me set-up goals based on whether I need money for spending, maintaining a monthly savings balance, or building savings continuously. These nuanced features are helpful when creating goals.

H

HEnSC

11/19/22

5 out of 5

I love YNAB!

I love YNAB! It’s easy to use, well designed, and includes great support. YNAB has helped me realize financial freedom. I know where my money is needed and where it is best served. Great program!

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

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