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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 1501-1501 out of 1501

AN

Anne Nelson

04/02/19

1 out of 5

I’ve been with them for a couple of…

I’ve been with them for a couple of years now and direct imports regularly stop working and you won’t get any notification unless you go to the account page of the app/website. They then have no ability to tell you how much time it wasn’t importing transactions for or how many were missed. I’ve talked to multiple people in support about this who have all just said that actually I should be manually adding transactions anyway so this is actually a good thing. They’re all convinced this is a ...

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

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