9.4
Spot Score
You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
Add to compare
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.
Filter results
Sort by :
Showing 521-530 out of 1501
JT
Judy Toone
11/23/23
YNAB is a great budgeting tool
YNAB is a great budgeting tool. It allows you to create a plan and allocate your funds so you can stay on track. The training videos are helpful and the courses they offer help with any questions you may have. I love the program and recommend it to all.
D
Donny
11/23/23
Great for “envelope” style budgeting
This is the only online budget software that I found that does zero-based, envelope style budgeting, which I believe is the best way to not just know your spending, but to actually manage it. Besides that, it’s easy to use, fast, and both the mobile and web experiences are good.
E
Erica
11/23/23
I’m a visual learner
I’m a visual learner, and seeing the YNAB bar graph change was a huge motivator to save money and pay down debt!
R
Roxana
11/23/23
YNAB IS LIFE CHANGING!!!
YNAB has genuinely changed my life. I can’t imagine my life without it. I love how they not only provided a platform to budget, but they also provided their 4 rules of budgeting. Those rules with the tools provided from YNAB has given me the most amazing financial freedom I’ve ever known. I actually know where every cent of my money is going, and if I have money to spend on something. It’s allowed me to save more than I ever have. I love it and am so grateful for the work they have done! ...
Read more
M
Mariee
11/23/23
I don’t understand it, but it works!
I’m not sure how it compares with any other programs, but it has done the trick. I don’t know how it all works exactly, but I’m getting ahead on managing my money after YEARS of struggling. THANK YOU!
MD
Michael Danielson
11/22/23
Review of YNAB after one year
About a year ago, I was looking for a new method of managing our budget. For many years we were using Quicken and for a number of reasons decided it was time to leave, their app and lack of interest in customer issues related to the app being just one. After searching YNAB appeared to be the best choice. We were already trying to follow a zero based budgeting stategy so the transition to YNAB wasn't that difficult. Not saying it was seemless, but with the help of the many video tutorials ...
Read more
CW
Cara Wilmot
11/22/23
Makes Budgeting Easy
Makes Budgeting Easy This helps our family manage our budget together. It is easy to use the program on the computer or in the app. It helps us plan for short-term and long-term goals. I also manage my elderly father's budget. It is easy to toggle between the two budgets.
G
GladysL
11/22/23
Life changing.
This app literally changed my life. It’s more than just a great app, with a breathtaking user-friendly beautiful interface, an amazing community, and the most impressive personal finance management tool, it’s more than that. It’s a true life concept, which drastically revolutionized my entire view and mindset of what personal finance management is and should be. I am literally addicted to this app, and I could not live without it. Ever.
J
JoelS
11/22/23
YNAB has been a great tool to…
YNAB has been a great tool to coordinate our spending as a household and maintain our budget.
K
Kmb
11/22/23
Must needed tool!
Been using YNAB on and off since 2015. I've tried other apps but always come back to YNAB. It's definitely improved my relationship with money. YNAB should create a financial education course to be taught in high school!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].