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

Ynab is easy to use and fun

Ynab is easy to use, and for all of us who have their money (finally) under control: a lot of fun to play with.

YNAB has changed my life!

I've been using YNAB for a year now, and it has completely changed my finances. I tried different budgeting systems but this is the one that's stuck, thanks Team YNAB

Simply fantastic

YNAB got me through college when I was unexpectedly on my own for survival, including tuition. Even though I had inconsistent income, massive tuition bills, and a host of other things to worry about, YNAB had me handled. I've saved gobs of money and feel confident about my finances now because the Four Rules really work. On top of the app itself, their website and support are extremely helpful, with lots of articles and help on anything I've needed. I'm currently planning my wedding with ...

Financial Clarity!

YNAB has changed my life financially for my family. Financial clarity over expenses, habits, and life’s surprises make the burden of budgeting a breeze. I look forward to looking at my YNAB budget everyday and constantly recommend it to friends and family.

I love the flexibility to create my own…

I love the flexibility to create my own groups and categories. The only thing I wish YNAB had is a spending plan to automatically fill my envelopes based on how I plan to spend the money. That’s not a deal breaker though.

No longer afraid to look at my bank account

YNAB has been extremely helpful with teaching me how to budget. It has forced me to take ownership on what I allocate my money to and the ways I could be saving or paying off debt faster.

It took some getting used too

It took some getting used too, but when getting the hang of it, It’s been really great at being mindful at what my money’s being spent on. Also the budgeting automation has been great at taking the guess work on when, what and how much to pay towards bills.

Using YNAB over year and loving it

I'm using YNAB for our a year now and I'm happy to say it worth every penny because it helps me, and us as a family, manage our finance in a way bank applications cannot. The biggest difference is by building and following a budget we can be prepared for things we don't want to happen but know might happen and also better understand what we can and cannot afford. Even if we have money in the bank, without YANB it's hard to know what this money purpose is. Using YNAB we know exactly how much ...

Helpful tutorial videos.

Date of experience: November 19, 2023

Best budgeting app ever!

YNAB has given me so much confidence with my money. I feel so prepared for anything that might come up, I paid off all of my credit card debt, and I’ve learned how to prioritize saving and spending goals. I love how it connects to your bank and credit card accounts so it’s easy and quick to stay accurate. I will never give YNAB up, it’s the best budgeting tool out there!