9.4
Spot Score
You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons
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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 441-450 out of 1501
A
AH
12/21/23
I really enjoy YNAB
I really enjoy YNAB, it's a bit of learning curve at the start but once you commit to the thinking it's really life changing. It's such a good way to get a handle of finances and have the financial awareness to know how the small decisions you make today affect your financial success in the future.
B
Brian
12/20/23
Just so organized
Just so organized. Love it.
J
Josetta
12/20/23
Highly Recommend
I've been using YNAB for about a year now. I think it has given me more clarity over my finances. It was a learning curve and I'm still learning, but YNAB has excellent customer service and tons of videos and blog posts on various financial topics. If you just can't figure something out, you can start a chat and they are pretty good about having a human get back with you. I highly recommend!
RB
Rich B
12/20/23
Massive Time Saver & Peace of Mind
This tool is effective and efficient and saves me hours of precious “Saturday morning free time” each month I’d otherwise spend going through spreadsheets and account reconciliations. It gives me peace of mind that our budget is on track and also helps me catch fraudulent or questionable charges right away. I recommend YNAB to everyone.
CU
Clint U
12/19/23
I have been using YNAB since 2009 and…
I have been using YNAB since 2009 and it is the best budgeting software by far, in my opinion. I have gotten the "maybe the grass is greener" itch a few times and tried other software options, but I've always found my way back to YNAB. It just works and the customer support is next level if you ever have a question or issue.
CL
Cynthia L
12/19/23
I’m grateful for this tool that helps…
I’m grateful for this tool that helps me manage our finances better than any thing I’ve tried in the past.
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Lisa
12/19/23
I love the flexibility of this app
I love the flexibility of this app. I’ve been using it for over a year now and it really helps me keep track of how we’re spending our money.
C
Cam
12/19/23
Learning Curve, but worth it
I have been using YNAB for just over a year now, and I can’t imagine life without it. Even though its a budget, you feel so much more free when you know exactly how much you can spend. YNAB offers great features for every budgeter and is definitely worth the the yearly fee. There is a learning curve to YNAB, but that is overcome in the first month or so. There is plenty of help out there when it comes to YNAB, whether its their site or reddit - just give it a chance!
R
Rando
12/19/23
Great tool
It's a great tool that is obviously made with a lot of attention to detail. I used Quickbooks before and I couldn't get used to it. YNAB felt right immediately.
MT
Mr Tim Deakin
12/19/23
Excellent budgeting software.
Date of experience: December 20, 2023
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].