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 371-380 out of 1501
I
Itay
01/15/24
Budgeting like YNAB is the best
I now know every single dollar where it goes, it made me very contious about my expances. But the best thing is how simple it is to save money for the important things for you! Just a great system
I
Itay
01/15/24
Budgeting like YNAB is the best
I now know every single dollar where it goes, it made me very contious about my expances. But the best thing is how simple it is to save money for the important things for you! Just a great system
JM
James M. SF Bay Area
01/15/24
I love YNAB!
I love YNAB! I’m a fan and user of YNAB from one of the earliest PC versions and moved over to the subscription service about a year ago… the resources provided for technical use as well as the practical grounded approaches on how to break down thinking about money are stellar. I could not be happier with this budget software… Jesse and team, thank YOU for creating, maintaining and consistently improving this wonderful service!
JM
James M. SF Bay Area
01/15/24
I love YNAB!
I love YNAB! I’m a fan and user of YNAB from one of the earliest PC versions and moved over to the subscription service about a year ago… the resources provided for technical use as well as the practical grounded approaches on how to break down thinking about money are stellar. I could not be happier with this budget software… Jesse and team, thank YOU for creating, maintaining and consistently improving this wonderful service!
S
Sarah
01/13/24
YNAB is worth every penny
We began using YNAB over a year ago. I had been a little reluctant because of the annual fee, but decided to try it after a family member recommended it. It is worth every penny! We have better handle on our finances more than ever. It helped us get out of a credit card float, plan for our true annual expenses (annual fees, car and house maintenance, etc) and go on a family vacation without going into debt. This year when Christmas came I was better prepared. I did have to move some money ...
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T
there
01/13/24
Different from most
Great app after you understand deeply the concepts behind it. I found peace in my financial life after starting using it,
R
Renee
01/13/24
Superior Budgeting platform
YNAB has helped me effectively budget ALL of my money this past year. I’ve learned the importance of reconciling my accounts with my financial institutions and my husband and I can confidently reference our budget to guide our spending decisions. Whenever I was confused about how to use a feature I would email customer support and would quickly get a response with helpful information. Their informational videos are not only entertaining, but very helpful! I am very satisfied with my ...
Read more
T
there
01/13/24
Different from most
Great app after you understand deeply the concepts behind it. I found peace in my financial life after starting using it,
S
Sarah
01/13/24
YNAB is worth every penny
We began using YNAB over a year ago. I had been a little reluctant because of the annual fee, but decided to try it after a family member recommended it. It is worth every penny! We have better handle on our finances more than ever. It helped us get out of a credit card float, plan for our true annual expenses (annual fees, car and house maintenance, etc) and go on a family vacation without going into debt. This year when Christmas came I was better prepared. I did have to move some money ...
Read more
R
Renee
01/13/24
Superior Budgeting platform
YNAB has helped me effectively budget ALL of my money this past year. I’ve learned the importance of reconciling my accounts with my financial institutions and my husband and I can confidently reference our budget to guide our spending decisions. Whenever I was confused about how to use a feature I would email customer support and would quickly get a response with helpful information. Their informational videos are not only entertaining, but very helpful! I am very satisfied with my ...
Read more
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