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 351-360 out of 1501
S
SP
01/22/24
Easy to use and understand.
This program makes it easy to control my money and plan for the future. I like the way it directly integrates with my bank so I can match incoming and outgoing spends and the app shows exactly how much money I have left in my allotted categories. Though it's $99 a year, I think it's good value for money.
K
Kevin
01/22/24
Easy to use
Easy to use, helpful tips and a great way to track and plan finances
ME
Mr E
01/22/24
From Chaos to Harmony
Our family budget went from from cloudy chaos to clear harmony once we got on YNAB. We now know exactly what goes where, and we can plan ahead. Best system ever!
TS
T. Stucki
01/22/24
We love YNAB!!!
We love YNAB!!!! Using YNAB has made life sooo much easier. We are still pretty new at this budget thing, but the peace of mind that it brings choosing how our money works for us is so worth it!
E
Elizabeth
01/21/24
YNAB is amazing!
YNAB is amazing and has changed the way I think about money. Would recommend to anyone!
C
Christy
01/21/24
Loving our Year of YNAB
We have had YNAB for a little over a year now and it has really helped us think about our money differently. The four rules are amazing and powerful for changing your mindset. Whenever I've had a question or something hasn't made sense, there are people behind the scenes (internet screens!?) helping and answering my questions.
T
there
01/20/24
A little bit of a learning curve…
A little bit of a learning curve initially but great system!!
JR
Joe Reich
01/20/24
Nice piece of software
Date of experience: January 21, 2024
S
Shelli
01/20/24
Empowering - life changing
YNAB has been life changing for me and my family. We've been using it for a full year now. The biggest change is that we are empowered to make money decisions instead of money guesses. We had a rudimentary budget before that helped us ensure we would have enough for monthly bills, so we were doing ok. But YNAB enabled us to save a month ahead so that's never the question any more. Now the question is "how much can we set aside? Or how much extra can we use to pay down debt" Setup takes ...
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J
Jayk
01/20/24
5stars
Honestly, I prefer old design because it is more compact when using on pc. With less spaces between lines i can better see all expense categories. Besides that, all is great.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].