9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
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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 1461-1470 out of 1501
CS
C. Sinclaire
07/11/22
YNAB has the best customer services…
YNAB has the best customer services EVER! Each and every question I've ever had has been addressed promptly, in the friendliest manner, and problems are always solved. It's the most personal, welcoming support team I've ever encountered. This has been consistent during all my many years of using YNAB, which, even without such personalized and friendly support, would be a great software. It's one of my favorite apps and probably the only thing that has saved me from general financial ...
Read more
CS
C. Sinclaire
07/11/22
YNAB has the best customer services…
YNAB has the best customer services EVER! Each and every question I've ever had has been addressed promptly, in the friendliest manner, and problems are always solved. It's the most personal, welcoming support team I've ever encountered. This has been consistent during all my many years of using YNAB, which, even without such personalized and friendly support, would be a great software. It's one of my favorite apps and probably the only thing that has saved me from general financial ...
Read more
AM
Amalia Maloney
06/28/22
I love the YNAB app
I love the YNAB app. Although its methods took me some getting used to, their support has already been great and responsive.
AM
Amalia Maloney
06/28/22
I love the YNAB app
I love the YNAB app. Although its methods took me some getting used to, their support has already been great and responsive.
E
Erumaro
06/12/22
Great tool to not only structure your…
Great tool to not only structure your finances but to develop a whole new mindset about it!
E
Erumaro
06/12/22
Great tool to not only structure your…
Great tool to not only structure your finances but to develop a whole new mindset about it!
T
there
05/02/22
Great service
I was keeping track of my money all in my head ynab makes it so much easier and I can see what is available per envelope. Can't imagine not using this app now.
T
there
05/02/22
Great service
I was keeping track of my money all in my head ynab makes it so much easier and I can see what is available per envelope. Can't imagine not using this app now.
F
Fern
04/30/22
Great for online budget
YNAB is great for people who can do a budget on a computer. I used it for a couple years and was very happy with it EXCEPT i need paper and pencil in order to stick to a budget. If you do not need paper and a pencil then use YNAB because its amazing!
F
Fern
04/30/22
Great for online budget
YNAB is great for people who can do a budget on a computer. I used it for a couple years and was very happy with it EXCEPT i need paper and pencil in order to stick to a budget. If you do not need paper and a pencil then use YNAB because its amazing!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].