9.4
SpotScore
You Need A Budget Reviews in July 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
Add to compare
You Need A Budget Reviews & Ratings
Are you using You Need A Budget?
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.
Filter results
Sort by :
Showing 291-300 out of 1501
M
Michael
02/09/24
The website is user friendly
Date of experience: February 10, 2024
EK
Erin K
02/08/24
Great Budget App!
For the first time I feel in control of my family's finances. I love how I can enter my spending manually or I can import from my bank. The transactions link together. I also love the community on social media, the podcast, YouTube videos and free trainings. I love the unique way YNAB handles credit cards. Take the free trial. You have nothing to lose.
T
there
02/07/24
the only improvement I wish for is to…
the only improvement I wish for is to make the link new account easier, after user opened new bank account under existing bank logins.
MK
Maddison Knapp
02/07/24
Appreciate the YNAB team!
Appreciate the YNAB team! Using the app and implementing their principles has brought clarity to our finances. My older children are using it, too. They are leaps and bounds ahead of me at their age. Maybe they can avoid many of the mistakes I have made in the past.
M
MR
02/07/24
Love it
Best program out there
M
Micha
02/06/24
Great app for budgetting!
Since using YNAB i've been able to keep my budget in order. And get some savings going on. I love it and don't want to go back to before!
C
Carlos
02/06/24
The app and website work amazingly
The app and website work amazingly. I have my budget in my pocket. It's as customizable as an Excel budget, but the hard work is done for you.
M
MJ
02/06/24
A better $ tracking experience
YNAB is helpful in tracking spending and savings goals. A little hard to start using as it tracks money you actually have instead of money you expect to have throughout the month. YNAB has better features than their competitors and responsive help desk.
M
M.B
02/06/24
Best thing that has happened to my finances
I had YNAB for a year before I actually started using it. It was definitely a learning curve but once you get it. It’s life changing. The YNAB app is the only app that gives me flexibility and freedom to really customize my budget. It has kept me on track and helped me prioritize how I want to spend my money. It wasn’t immediate obviously because learning and understanding my money habits takes time and practice and awareness that YNAB has allowed me to do. Using YNAB also helps me identify ...
Read more
B
BAP
02/06/24
So easy to use!
So easy to use! I love how YNAB handles credit cards
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].