9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
Add to compare
You Need A Budget Reviews & Ratings
Are you using You Need A Budget?
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.
Filter results
Sort by :
Showing 511-520 out of 1501
T
Tom
11/27/23
Keep your finances on track
Great program to keep your finances on track.
CK
Cristy K
11/27/23
Best budgeting app…hands down.
Love YNAB. I couldn’t live without it at this point. I was an mvelopes user for years. Once that app was discontinued, I tried numerous alternatives and YNAB is head and shoulders above the rest.
BC
Bryan Creel
11/27/23
Embodies the best budgeting method for…
Embodies the best budgeting method for my household. Friendly and easy to use website and app.
SG
Scott G
11/26/23
They are so easy to work with and…
They are so easy to work with and respond in a timely manner to any questions that I have.
A
Adam
11/26/23
Mvelopes convert
Switched when Mvelopes closed. This is way better than Mvelopes in many ways - and only worse than MVelopes in a couple ways. My main complaint is that I want to carry a negative balance on envelopes from one month to the next. I use that to indicate when people owe me money. YNAB doesn't like that. I understand why, but it makes it harder for me to deal with it.
CW
Corey W
11/26/23
Exactly What I've Wanted
This software does EXACTLY what I've wanted since 2000 in every way! It manages the "envelope" system digitally and sets aside money for credit card transactions as you categorize your items according to your budget!
KM
Kent Munro
11/25/23
The best way to budget and save money
YNAB uses the cash envelope system. Best way to understand your spending and cash flow.
T
there
11/25/23
Steep learning curve for a reason
You don’t really have money until you have a budget, and you don’t really have a budget until you have YNAB.
M
Mary
11/24/23
YNAB presents a clear at-a-glance view…
YNAB presents a clear at-a-glance view of cash flow. It’s allowed me to invest more, keep spending aligned with our values, and easily roll with the financial punches that are inevitable. It takes some time to set up and figure out the approach because YNAB looks forward at spending, not backwards. Once set up it saves SO much time. It also greatly reduces worry because everything is so clear. Lu moved to YNAB 18 months ago and love it!
FP
Frank Piacitelli
11/24/23
The best online personal finance system
Application works as expected, very helpful at managing personal finances, plenty of educational material online, responsive tech support team.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].