9.4
Spot Score
You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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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 531-540 out of 1501
SB
S Bakker
11/22/23
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.
LH
Lorna Howgate
11/21/23
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
L
Landon
11/21/23
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 ...
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C
Chris
11/21/23
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.
CS
C Swanner
11/19/23
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.
C
Charlie
11/18/23
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.
J
Jess
11/18/23
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.
IR
Ido Ran
11/18/23
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 ...
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T
there
11/18/23
Helpful tutorial videos.
Date of experience: November 19, 2023
A
Aubrey
11/17/23
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!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].