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 411-420 out of 1501
D
Dave
01/02/24
An app that truly changed my life.
There’s a learning curve because this is a system as much as an app to manage that system. But it had made a huge difference in my family’s finances and relationship to money. It has improved our lives in so many ways over the past year. So grateful!
T
Travis
01/02/24
Honestly life changing
This app truly changed my life and my relationship to money. I know that sounds hyperbolic, but it’s true. I no longer stress if I have enough and I am able to plan for goals/life events and just participate in everyday things in a way that doesn’t make me dread activities like going out to eat or the movies like I used to. Happily invest $100/year to use this service, which isn’t selling my data to credit card companies and serving me ads, anywhere. Do not hesitate to jump in and get ...
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B
Breanne
01/02/24
YNAB has changed my life.
YNAB has changed the way I think about money. As someone who was diagnosed later in life with ADHD I didn’t realize that there was a way to help organize my finances AND help me learn to manage it better. I’ve had the app for over a year and I’ve never lost interest, there is always something new to discover and learn! I recommend this app to all my friends and family. My partner and I have started using it and he also loves the visual aspect of where our money goes every month. I’ve been ...
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G
Glen
01/01/24
a year with YNAB
YNAB has been an excellent replacement for mvelopes budgeting. Actually better. I love being able to fund ahead when I can. Also, syncing all my accounts has worked without issue. I have been using YNAB for a year and I love it.
K
Kevin
01/01/24
More than just a finance tracking tool
Brilliant idea that is explained well and a system that really works. A bit of a learning curve in how to use everything, especially in a region where the linked accounts don’t work. Took awhile to develop some intuition about saving in advance for the next months and how the system handles that.
MW
Mr Wonderful
12/31/23
Easily the best budgeting app
Easily the best budgeting app. Took me a minute to understand its concept but once I did, I LOVE how you can only budget what you have while still seeing what's due every month, who's been paid, who hasn't, etc etc. Genius!
HP
Hannah P
12/30/23
I absolutely love YNAB!
I absolutely love YNAB! It has helped my husband and I completely stop arguing about money. It is easy for my husband to understand, but also makes my bookkeeper side happy. I recommend YNAB to everyone who will listen. The only thing I wish is that more reports were available on mobile devices and more reports were available in general.
K
KCJC
12/30/23
YNAB Most sensible & Smart Budgeting SW!
We had researched most budgeting software out there before making our decision. We've been budgeting since 2011 because of FPU. YNAB was/is better than our original sw, and so much more! It's easy to set up, keep up on a daily basis is easiest & quick, and their training videos are so helpful for newbies! I highly recommend YNAB for gaining control of where you're money is being directed. I love being reconciled every day (my choice). We're debt free now!
TF
Tim F
12/30/23
Very useful budgeting software
Very useful budgeting software, giving every dollar a job. YNAB has kept us going successfully for 9 years!
K
Kristien
12/30/23
True budget win
True budget win, we really do save money. And when you run into a problem, they helpdesk service will help you out.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].