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 231-240 out of 1501
J
JF
02/23/24
Great for Budgeting
Has really helped me to budget and be mindful about how I spend my money
N
Noelene
02/22/24
YNAB is my vehicle to financial freedom
Prior to using YNAB, my budgeting ability was non existent!!! I ALWAYS had more "month at the end of the money" and struggled to keep on top of bills and excessive spending. I'm not perfect now however I'm a WHOLE lot better!!! The training videos are excellent and a must for newbies....it's really a different way to think about managing your money. I don't look at it as a budget anymore...I see it as my vehicle for financial freedom. Thanks YNAB!
L
L.Y
02/22/24
Recommended for 10 Years
I've been using this software to budget for about 10 years. The last 5 years with my spouse. It lets us identify where our money is going, adjust if needed, and most importantly save. The software is updated constantly, but the most important part of their services may just be their money education and the way they help people evolve their views about money.
D
Danielle
02/22/24
A system that works
No ads, a budgeting system that works! It's completely changed the way I manage money and I'm really accomplishing my money goals. Customer service is also really fast if I ever need anything troubleshooted. Will keep subscribing for the foreseeable future.
KF
K Francesca
02/22/24
Helped me have my most confident money year
It's the most amazing software to help me feel on top of my money. I'm so grateful to have discovered YNAB. It helped me understand how saving and putting away money works as well as made budgeting interesting and fun. Their helpful articles even led me to a great tax specialist to do my taxes (early this time!.) I'm not making it rain but this is the best most confident year I feel around tracking and being aware of my money and taxes and it's a big part thanks to YNAB.
D
David
02/22/24
Best budgeting app
Really helped me see where my money is going and how to mKe small changes so I can save for what I need to.
J
Jen
02/22/24
Long time (8+ years) user who still loves the service
I used the desktop version for years, switching to the online version was a learning curve, but I am overall very pleased. YNAB gives a lot of transparency about what I'm doing with my money and helps me plan ahead. Different people may have different budgeting styles, but I recommend giving YNAB a chance to see if it can be helpful to you too.
DR
Denae Rice
02/21/24
It’s beautiful
It’s beautiful, clear, intuitive. I had a quick response to a question. There’s tons ox quick and fun videos to help the user make the most of the tool. It’s the philosophy that is the thing that clicks though.
R
Rachel
02/21/24
Be patient!
Definitely recommend following a video or guide for set up - it makes everything click!
CR
Cindy Rodriguez
02/21/24
I love YNAB
I love YNAB! Such a great tool to keep my finances in order
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].