9.4
Spot Score
You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
Spotsaas Editor’s POV
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
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
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
T
Trish
03/07/24
I absolutely love YNAB
I absolutely love YNAB. I have used it off and on for years for mostly tracking. This year I truly started using it and it has made the world of a difference!
H
HPS
03/06/24
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
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.
C
Calley
03/06/24
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!
JA
Jacqui A
03/06/24
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.
E
Evelyn
03/06/24
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!
ID
Ian Deshotels
03/05/24
Pinch the right pennies
My wife and I love YNAB. It is helping us plan to be more generous rather than pinching all the pennies. Gives us a great view of our spending and budgets. And we are both involved in entering transactions and deciding how to cover overspending in categories. Thank you YNAB.
J
JOEY
03/05/24
YNAB is awesome and changed my life!
Date of experience: March 06, 2024
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].