You Need A Budget Reviews in August 2026: User Ratings, Pros & Cons

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!

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 ...

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 ...

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.

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.

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!

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.

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!

Very useful budgeting software

Very useful budgeting software, giving every dollar a job. YNAB has kept us going successfully for 9 years!

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.