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 321-330 out of 1501
M
Mike
01/30/24
Best thing I bought in 2023!
Date of experience: January 31, 2024
M
Monica
01/29/24
Debt free!
We've been using YNAB for a year, and in that short time we paid off $16,000 in debt and have saved a $6,000 emergency fund. This program has relieved more stress than any massage, facial, bubble bath, video game spree or other common self-care ritual. There are not enough words to describe how grateful I am for YNAB.
J
Jennifer
01/29/24
Great Tool
I'm fairly new to YNAB. I transferred over from Mvelopes. Have loved all of it. Thanks!
A
ACooper
01/28/24
The best budgeting app
The best budgeting app! Forces you to really think about every dollar and how it will be used. Forces you to plan for future expenses and not spend money just because you have it. Also got me out of the credit card float which is amazing!
T
there
01/28/24
Platform is easy to use and customer…
Platform is easy to use and customer service is very helpful!
MH
Michael Hopkin
01/28/24
In Complete Control
I'm in complete control of my money with YNAB.
KD
Kristine Dosick
01/27/24
Easy to use, even if you have seperate bank accounts
I used Mint for years but after seeing several recommendations for YNAB on other sites, I decided to give it a try. I purchased a 1-year subscription in November 2022 and haven't looked back. My husband and I maintain separate accounts and YNAB makes it easy for us to link our accounts and maintain a joint budget. The overall concept is a little different than other budgeting programs in that you "fund" your spending in advance by allocating your incoming funds to the categories you create. ...
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E
Eric
01/26/24
Provides clarity & unity in managing our finances
We have been using YNAB for just over a year and love the clarity and unity this has given us in managing our finances together. We are never lost wondering where we're at or where we're heading.
L
Lisa
01/26/24
Never too late to start a budget
I was over 60 years old and never really worked with a budget before. My son introduced me to YNAB and I love it! I actually feel like I am finally in control of my finances. I wanted to have a budget in place when I retired, and YNAB has helped me so much. Why did I wait so long to start this? It is easy to use and I am so happy with YNAB! Thank you!!
MJ
Mel J
01/26/24
YNAB has been a great resource
YNAB has been a great resource. Visually seeing where I need to prioritize my funds has helped me to get out of credit card debt and save an emergency fund. I stopped spending future money and focused on what I actually had in my account. I had my own tracking sheet prior to YNAB, but I kept forgetting bills and didn’t track all spending, so I kept getting “surprise” bills/charges, that would require me to dip into my savings. After being with YNAB for over a year, none of those things ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].