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

Two issues

While the software itself is quite good I have two negative things to mention:1. In the classic software you were able to overuse a budget category (lets say -100 on Electricity as you had to pay something in advance). And then the next month this was calculate together with your budget. (so for example -100 from the last month, budgeted 100 for this month and another 50 used in this month would lead to 50 budget). This is no longer the case in the new online version. The budget from last ...

YNAB not interested in U.K. customers

This product is fine if you fit the pattern of user for which it’s designed. It’s pretty inflexible otherwise. As mentioned by another reviewer, their automatic bank sync service is very unreliable. I think the reason for this is that they do not use the modern Open Banking protocols which make the service work well. They have told me today that they have no intention of updating this. Their only interest is in North American systems so I am going elsewhere after having been with them for ...

Awesome budgeting software.

What do you like best? I have tried probably every personal finance software under the sun and the biggest thing that always frustrated me was the budgeting element. Finally, with You Need A Budget (YNAB), I have found a budgeting system that makes sense, is easy to use and can also take care of my other personal finance needs. What do you dislike? There are some accounts that do not sync well with YNAB in particular mortgage and investment accounts. But the premise of YNAB is not ...

Excellent customer service!

I've been with YNAB for a good 20 months now and it is a truly useful application.While you *can* get very similar results with a spreadsheet, having the ability to readily sync between phone and browser regardless of where you are is a godsend.As for the customer service, well, let me tell you a story... back when I first started, I use the 30-day free trial... and at the end of it I decided "YES! I want to pay for the subscription!"... only to realise that I didn't have the money for ...

YNAB keeps me focused.

What do you like best? YNAB organizes my spending. I can see how much I have left to spend in each category. I can keep track of loans I've made to people. I can see how much money I set aside for the IRS. It syncs with my bank account, so it's low maintenance. And the app is as charming as a budgeting app possibly can be. What do you dislike? There is a bit of a learning curve. YNAB is based on the envelope method of budgeting. You only budget money that you have and you budget all ...

Great app!

What do you like best? The flexibility and variety of expenses that could be added What do you dislike? I wish i could have seen a projection to various dates according to salary, dept payments, etc. Recommendations to others considering the product: Everything you need to simplify budgetting and seeing everything in one place. What problems are you solving with the product? What benefits have you realized? Having all my accounts in one view.

Helped me get through difficult time

What do you like best? You Need A Budget helped me get through difficult times by helping me make a budget. It helped me track my expenses, that was the most difficult part for me when saving money. What do you dislike? Theres not much to dislike for this app. What problems are you solving with the product? What benefits have you realized? Solving my budget needs.

Useful!

What do you like best? This program helps the user with financial health, and I really appreciate that. What do you dislike? It could use a more expansive help section. What problems are you solving with the product? What benefits have you realized? It's helped me set up a budget and stick to it. My expenses have been under control since I used it.

I LOVE THIS SOFTWARE.

What do you like best? I'm sure there are other budgeting systems out there, but this is one of the best I've ever come into contact with. I love the ease of being able to see exactly where my money is and the big-picture thinking. What do you dislike? There are some aspects of being able to transfer money to/from a savings account that bother me, for example, the fact that all of that money is still movable in the app even though in reality it's in a savings account so I don't want ...

great for business and personal finance tracking

What do you like best? I like that you can set up multiple budgets What do you dislike? The auto syncing sometimes is problematic Recommendations to others considering the product: Really great tool for keeping track of expenses. The auto-syncing option unfortunately doesn't always work. What problems are you solving with the product? What benefits have you realized? I keep track of my budget so I know what I can spend on itemized business expenses. I also use it for tracking ...