9.4
SpotScore
You Need A Budget Reviews in July 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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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 21-30 out of 1501
S
Sade
06/12/24
New healthier relationship with money
Following the ynab method has brought me peace of mind and a feeling that I have enough. It has made me conscious of what I actually value and helped me work through difficult emotions related to money and finances. I'm also about to be fully dept-free in a couple of months thanks to all of the above so huge yay for that!
J
Jade
06/11/24
A great guide
YNAB has helped me be organize with my money and my spending. A really great guide!
K
Kelly
06/11/24
Worth it in every aspect
YNAB really opened my eyes to where my money was going and how much I actually was not saving when I thought I was. After 2 years on YNAB, and not anticipating wanting to pay for it after my free trial, I did and it was worth it. I have managed to pay off all of my debt and grow the nest egg I never thought I'd be able to achieve. Watch the youtube videos, watch many, it is difficult to wrap your head around at first understanding how everything works but it is well worth the few hours I ...
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H
HDoug
06/07/24
Game Changer
YNAB has been a game changer for us. It's been over a year & for the 1st time, we understand where our money is going. It takes time to get accustomed to using is right & reconciling can be tricky at first, but this app is 100% worth it!
JR
John Roland
06/07/24
What a difference a year makes
What a difference a year makes. We were using a paper budget on the fridge for years, and making ends meet, but this is amazing. The initial set up and learning process is a little bit of work, but there are really good video tutorials and blog posts. I even had a good experience with their email support team. Personally, it's been a relief to know where each dollar was going to be spent. It's one thing to have 3-6 months expenses in the bank. It's a game changer to know that your expenses ...
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LP
Lisbeth Philipsen
06/06/24
very easy to use
A game changer
J
Julia
06/06/24
Amazing product
Amazing product, really changes your relationship with money in the best way possible. I have tried to get everyone I know to use it
S
Seve
06/06/24
YNAB had changed my life
Date of experience: June 06, 2024
J
Josh
06/04/24
Excellent features and easy to use
The software is easy to use, provides excellent integration and security with different credit and security account, and offers great tips to improve budgeting.
S
Steve
06/04/24
I’m 62, a game changer
I’m 62. Tried budgeting several times over the decades. Nothing worked for me personally. Feb of ‘23 I started testing solutions again as our income is now fixed. YNAB crushed everything out there. I made several mistakes at first because I didn’t watch the videos to understand all the dynamics. I started in April of ‘23 and it is now part of my everyday life. After setup, almost no time involved for making entries. Ex. I started listing each gas station I stopped at. I quickly changed to ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].