9.4
SpotScore
You Need A Budget Reviews in July 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 211-220 out of 1501
J
Justin
03/01/24
I searched for a while to find the best…
I searched for a while to find the best budgeting app for me. I found YNAB and it's the best decision I ever made concerning my money.
W
WT
03/01/24
Great product
Great product. Good support. Good instructional videos. Been using ynab for a year now.
E
ER
02/29/24
Incredibly Helpful Budgeting Tool
I was looking for a tool to track expenses that I could easily access from my phone. Monitoring my finances and budgeting with YNAB has helped me pay off $25,000 in debt in little over a year. Highly recommended.
J
Jb
02/29/24
Great product
Great product. Very helpful. A little clunky moving around in the App. There are work arounds but it could be more user friendly. Also I don't love how after a few days, it requires you to address a negative balance in a category; and it kind of freezes up the system until the negative is dealt with. I feel like I should be able to manage that negative on my own terms . My biggest suggestion would be the ability to see all the activity I have done in one session: all the moves, transfers, ...
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AW
Amy W
02/28/24
Life-changing
Life-changing. If I had discovered this app 10 years ago, I’d be retired now.
MS
Marcos Schmidt
02/27/24
Amazingly simple and effective
Amazingly simple to use and very good at teaching a budgeting method that actually works. Transformed my financial life!
T
TJ
02/27/24
It has changed the way I think about…
It has changed the way I think about our money and helped me make more I formed financial decisions.
BW
Bev Watson
02/26/24
Easy to use
Easy to use. Still working on the budget. Lets you start over love this app
SS
Susan S
02/26/24
Credit cards don't cause a headache
Credit cards don't cause a headache. I like the way the app handles credit card transactions and payments. With it taking money from my budget categories and treating payments as a transfer my budget makes sense no matter the payment method I use. I also like the payment simulator for my loans so I can actually see what paying extra would mean in the long term.
AF
Andres Felipe Espinosa Vela
02/26/24
It has changed my life
It has changed how my family approaches finance and, by extension, has changed our lives.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].