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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 1431-1440 out of 1501

J

Jack

11/16/22

5 out of 5

Literally pulled me out of the poverty cycle.

Literally pulled me out of the poverty cycle I was in, people complain about the high yearly price, but I’ve honestly never spent a better 80-ish euros in my life. The return on investment is insane.

E

erbos

11/15/22

5 out of 5

I love YNAB!

I love the fun and friendly newsletters, the excellent customer support, and having my financial transactions all in one spot so I can review or research my spending in general or look for something specific.

S

Sarah

11/15/22

5 out of 5

I love YNAB :)!!!

I love YNAB! It’s turned me into a very financially savvy budgeter and I couldn’t be happier!

VC

Valued Customer

11/15/22

5 out of 5

YNAB Best in Personal Finance

YouNeedABudget (YNAB) is hands-down the best app I have ever your personal finance arsenal. It's easy to use and continues to make improvements and feature-adds. Give it a try. You will not be disappointed.

CB

Cath Bulley

11/10/22

5 out of 5

Cancelled a/c with regret. We got it wrong

Such a great Company and such life saving software. We managed to completely sort out our finances in readiness for retirement, Simple things like budgeting and being more aware saved us thousands and thousands of pounds. Sadly, we left and YNAB kindly refunded us £59 for what we had used. We got it wrong and now I am in the process of trying to reinstate our old account.

JB

Jacob B

11/10/22

5 out of 5

YNAB has been an indispensable tool in…

YNAB has been an indispensable tool in my family's structure for more than two years now.

BT

BRIDGET there

11/07/22

5 out of 5

A Trusted System

I have used YNAB since 2010, when we were trying to determine if I could quit my job and stay home full time with my children. We came for the budgeting program, but have stayed through the years because of the way the company thinks about money and the trust we have that the company really wants what is truly best for its customers. I have bought YNAB for family. There is no better company, program, or budgeting system out there.

JV

Jason V

11/07/22

5 out of 5

<3 YNAB

Been using YNAB since before the web based/SaaS version and not only has it helped me manage my money, but I've become the nauseating, optimistic budgeter of my friend and family group! YNAB support is always there to help and I appreciate when new features are rolled out. My only criticism would be using Plaid for account linking. I find their security/method for storing user credentials to be very insecure/an unneeded risk, so I avoid linking my bank account.

BM

Bill Mason

11/05/22

5 out of 5

You need a budget is the best budgeting…

You need a budget is the best budgeting system I have every used. I mentor many individuals and couples and always recommend it! I used to use a physical envelope System, now I have a digital one. One that I can not lose. One that I can not lose... I highly recommend this software!

S

Seymour

11/04/22

5 out of 5

Easy and reliable

Easy and reliable. Help always available. Flows with the times.

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

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