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9.4

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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 191-200 out of 1501

TA

Tom and Nancy Dansereau

03/07/24

5 out of 5

We created a financial plan that focuses on us!

We love that we can create a financial plan that matches our needs. We appreciate the flexibility brought on by snoozing, which was frustrating to follow step 3 without it. We’ve embraced age of money and introduced it to our family members.

AP

A pro user

03/07/24

5 out of 5

Best app ever to manage budget

Best app ever to manage budget. When you get the YNAB philosophy, you don’t get how you were doing before

LJ

Lisa Johnston

03/07/24

5 out of 5

Ynab = peace of mind

This software and philosophy has made a huge difference to my day to day finances. I now know exactly how much I have set aside for all our expenses and it has taken a huge weight off my mind. Peace of mind guaranteed

C

Calley

03/06/24

5 out of 5

A life saver

When my husband died unexpectedly eleven months ago, I went from two incomes to one, overnight. I had to get a handle on my spending, and fast. YNAB came to the rescue, and I was able to manage all the changes like a boss. I’ll never be without it again. Thanks, YNAB!

H

HPS

03/06/24

5 out of 5

Best budget tool out there, life changing

Been using YNAB for over a year now. To say that it has changed everything about how I think about money and my finances would be an understatement. It connects with all my bank accounts and credit cards. I found it simple to understand, but if I have questions there are a lot of resources available to help me out. I was originally hesitant because it sounded like a lot of up front work, but it wasn’t bad. The app and website are very good. Cannot recommend YNAB enough.

L

Lyne

03/06/24

5 out of 5

YNAB Success

Purchasing YNAB has been one of the best financial decisions I have made. Having used YNAB for the past year, I established a strong budget and was able to save $5000. It has been an absolute game changer for my finances. I tell everyone who asks me about finances to use YNAB.

E

Evelyn

03/06/24

5 out of 5

Worth Every Penny

I’ve used a budget for over 30 years. I started with a good ol' fashioned ledger book. I’ve used multiple web based programs too. All budgets take some effort to set up but YNAB is by far the easiest to use and maintain on a daily basis. I love how quickly I can get all caught up and balanced!

JA

Jacqui A

03/06/24

5 out of 5

Life changing!

Life changing! Yes there is a steep learning curve. Yes, you have to put some time into setting it up. But IMO it is worth it. But my family went from living paycheck to paycheck to having a decent emergency fund, funding our retirement and our kids’ college funds for the first time in less than a year. Plus I fully understand our financial picture and have a solid plan for moving us forward. None of this would have been possible without YNAB.

J

JOEY

03/05/24

5 out of 5

YNAB is awesome and changed my life!

Date of experience: March 06, 2024

D

Deb

03/05/24

5 out of 5

Highly recommend YNAB

I looked at lots of budget programs before choosing YNAB. It is the only one I found that allowed me to do envelope style budgeting easily. I works seamlessly with my bank account, so I know exactly how much money I am spending and saving.

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

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