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 391-400 out of 1501
T
Tim
01/08/24
Future Cashflow Planning with YNAB
YNAB is the only budgeting software I've found that allows me to plan ahead into the future and know exactly how I'm doing.
T
TWM
01/08/24
Best electronic envelopes system
This is the closest app to the now defunct Mvelopes. I like electronic envelopes because I always know how I stand. I don't have to wait until the end of the month to review my finances.
J
Jo
01/07/24
This is the ideal budgeting app
This is the ideal budgeting app. I don't know how I managed my money before.
A
Andrew
01/07/24
With YNAB budgeting is soooo easy to…
With YNAB budgeting is soooo easy to stay on top of.
S
Steph
01/07/24
No stress, no guilt budgeting
I went through my first year as a new homeowner without YNAB, and even though I’ve always been fairly good with my money and messed around with my own homemade spreadsheet budget (always forecasting) I was never sure if I was going to have enough to pay for all my non-monthly bills without dipping into my savings. I took the leap with YNAB just before my first houseiversary. It took me a week or so to get the hang of it, but since I started using YNAB I’m not stressed about money. I can ...
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Laura
01/06/24
Love YNAB
Love YNAB! Had to switch to something when Mvelopes shut down. Chose YNAB and I'm not sorry. Once I got going it turn out to be much easier to use.
C
Connie
01/06/24
Such a great find!
This app is such a great find! It has helped me to budget, know where my money is going, and has given me a clear plan on how I will pay down my debt. I have been using it for the past year and something I really enjoy is YNAB’s educational content. I love receiving their e-newsletters, watching their YouTube videos, and listening to their podcast.
CM
Cris Mooneyham
01/05/24
I love YNAB
I love YNAB, there is no better way to budget and budgeting is the way to financial freedom and peace of mind. They have great resources for learning the app, and good customer service.
B
Ben
01/05/24
Once you get it, it puts Monarch to shame.
A bit of a learning curve to figure out how to make it work best for you, but then this system is great. I like it way more than Monarch or any other competitors.
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Nicole
01/05/24
Handsdown, best budget software
First and only budget tool or software that helped me truly feel in control of and in relationship with my money. Getting a handle on the day-to-day is allowing me to open my mind to bigger, bolder strategies for building wealth. Before YNAB, I was floundering. Slight learning curve - 100% worth it.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].