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 1421-1430 out of 1501
KT
K Tanner
11/17/22
Got me on top of my money life
Simple and easy to use and got me on top of my money life.
C
Chris
11/16/22
The only budgeting software I've found…
The only budgeting software I've found that helps you figure out what to do with what you have - not just what you've already spent.
M
Maaike
11/16/22
Fantastic!
I can't live without it. Easy to use, practical and uncluttered. I'm a big fan.
L
Lotte
11/16/22
Hands down the best budgeting program…
Hands down the best budgeting program available. Made me rethink the way I see and spend money.
N
Nicole
11/16/22
A loyal YNAB user since 2014
I’ve been a loyal YNAB user since 2014! I can’t recommend YNAB and it’s method enough as it has seen me through every stage of life, from a college student trying to budget work study money to now a six figure salary. Keep up the incredible work! I can’t wait to see all the great features coming in the future.
JM
Josh Metcalf
11/16/22
It's trying, I'm failing
I use the program mostly as a checking account register, and if I stay disciplined, it's excellent for that. If I added the discipline to use it for actual budgeting, I think I would be particularly impressed. The team at YNAB are certainly doing their best to help me, I just continue to be rather rebellious when it comes to $$.
T
tobias
11/16/22
Well worth the subscription fee
I've been using YNAB for more than 10 years, not always with the same discipline. But there's no better way to be in control of your finances! The subscription fee seems a lot, but it's little to the amount you save. And they keep working on their software to make it better. Would recommend to anyone!
D
Dorie
11/16/22
A very good program for managing finances
I use this program to track my expenses, which can be very helpful in controlling spending. It's very easy to use.
C
Cas
11/16/22
Great to keep organized and track my…
Great to keep organized and track my goals
CR
Colette Roy
11/16/22
BEST customer service on the planet.
BEST customer service on the planet. BEST teachers BEST way to interact with your money in a different way.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].