9.4
SpotScore
You Need A Budget Reviews in August 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
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Spotsaas Editor’s POV
YNAB (You Need A Budget) uses a digital envelope system where you allocate money to specific spending categories before you spend it. This requires upfront discipline—you must categorize every transaction and adjust allocations monthly. If you prefer passive tracking without active budgeting, YNAB will feel restrictive. The app syncs with most US banks and ...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.
Smooth 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 431-440 out of 1501
Y
Yauhen
12/28/23
The best budgeting app ever
Hi! I'm really glad that I found this app over the internet: now budgeting is easier than ever (although I always was afraid of that word and precise money calculation). Especially with the educational tools available over the Youtube - it contains a lot of useful tips and lessons on how to manage your money and keep the budget clean. Although there is still a long way to go for me, I've already made a huge progress in financial planning, thanks to your app and the whole production ...
Read more
Y
Yauhen
12/28/23
The best budgeting app ever
Hi! I'm really glad that I found this app over the internet: now budgeting is easier than ever (although I always was afraid of that word and precise money calculation). Especially with the educational tools available over the Youtube - it contains a lot of useful tips and lessons on how to manage your money and keep the budget clean. Although there is still a long way to go for me, I've already made a huge progress in financial planning, thanks to your app and the whole production ...
Read more
A
Andy
12/27/23
Absolutely invaluable service
Absolutely invaluable service. I’ve tried so many different methods of budgeting and nothing has worked nearly as well as YNAB. It has easily paid for itself several times over, even if it is a tad on the pricey side.
L
Leanna
12/27/23
The most valuable app I’ve ever bought!
This app has been valuable to me both when I had more money and when I had less. It helped me feel more in my control of my life during challenging times, and it helped me achieve goals—like travel—in better financial times. Love it!
L
Leanna
12/27/23
The most valuable app I’ve ever bought!
This app has been valuable to me both when I had more money and when I had less. It helped me feel more in my control of my life during challenging times, and it helped me achieve goals—like travel—in better financial times. Love it!
A
Andy
12/27/23
Absolutely invaluable service
Absolutely invaluable service. I’ve tried so many different methods of budgeting and nothing has worked nearly as well as YNAB. It has easily paid for itself several times over, even if it is a tad on the pricey side.
CC
Chris C
12/26/23
YNAB is great app to get spending under control
Love the app and it has been a great help getting our spending under control. I used Quicken for so long and dropped when they went to the subscription model. YNAB is so much better to manage your money. Not a fan of the yearly fee (like other apps), but they do keep doing updates as well as publish helpful newsletters and videos. I have my older boys using the app as well.
G
Grant
12/26/23
Best budgeting app out there!
The interface is nice, the support team is great, and it really helps me with my finances!
G
Grant
12/26/23
Best budgeting app out there!
The interface is nice, the support team is great, and it really helps me with my finances!
CC
Chris C
12/26/23
YNAB is great app to get spending under control
Love the app and it has been a great help getting our spending under control. I used Quicken for so long and dropped when they went to the subscription model. YNAB is so much better to manage your money. Not a fan of the yearly fee (like other apps), but they do keep doing updates as well as publish helpful newsletters and videos. I have my older boys using the app as well.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].