You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons

I love using YNAB

I love using YNAB! I used Mvelopes for over ten years. When Mveopes decided to close its doors, I began looking for a replacement. I tried several other options before finding YNAB. I had a bit of a learning curve, but once I got through that, I have loved using it. The few issues I have run into have been quickly resolved by contacting support. The support team has been very kind and helpful! I plan to stick with YNAB for all my budgeting needs!

YNAB has totally changed my financial…

YNAB has totally changed my financial life. I've already had the basic knowledge of budgeting and how to do it. I have been a follower of the Dave Ramsey style which helps a lot. But being a bit of a technology geek, I've had a hard time really sticking to my budget. YNAB has made it entirely possible with having an app as well as the website app. It was a bit of a thought process change as it's not quite exactly like the Ramsey style but it's close enough. The little bit of time I've had ...

YNAB ROCKS!

For my whole life I've always felt that I can handle my expenses based on my income but never with a true sense of control. YNAB rocked my world! It rocked my wife's world too! And in the absolutely best way possible. My wife also came from a place where money discussions were not only a drag, but even avoided, a source of anxiety and discontent. Now she's a believer! YNAB has enabled me and my wife to take full control of our finances, to make the most of all the perks our credit cards ...

Turned my financial life around 180 degrees.

I was looking for a budget program to help me get my finances on track. I was tired of not knowing how much money I had left to spend, how much more money I needed to cover certain expenses, and always getting surprised by that "oops!" bill before payday. I started YNAB at the beginning of 2023, and haven't looked back. I have saved THOUSANDS of dollars just by using this system. I highly recommend it to everyone!

Reliable and user friendly product

Reliable and user friendly product, that really helps me improve my personal finance. If you fail to use it on regular basis, don't give up and try again later. It took me a few tries to get familiar with that.

Easy to use

Easy to use. Helped me manage and prosper on a fixed income. Lifesaver!!

YNAB has been so helpful!

This platform has really helped our family get much more clear about where and how we spend our money and also has helped with setting goals and the finances needed to make those goals happen. A great tool!

I have been a budget nerd for 25 years…

I have been a budget nerd for 25 years and have tried many different methods to track our money and build our wealth. We are probably considered a high income household and still felt like we were living paycheck to paycheck (though we recognized we were saving a lot for retirement) and were just cash poor all the time. YNAB’s four rules for a year now has really helped us get control of our finances and after a couple of emergencies and family issues over the past year, we are starting to ...

Guaranteed money for things I plan

I really appreciate having all the money I need for things when I need them. YNAB makes that easy. If it's in a category and I've done the reconsiliation, I'm guaranteed to have the money set aside. A more sophisticated version of Profit First works well with this without having to have a bookkeeper to reconscile many accounts.

Easy to learn

Easy to learn Money is working for me No more overspending