9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
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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.
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Showing 551-560 out of 1501
L
Linda
11/13/23
I absolutely love YNAB
I absolutely love YNAB and can’t imagine handling my finances without it. The ease of being able to see all your money (checking, savings, credit cards) in their own category and then summarizing everything into a budget tab is great! I also love the addition of loan pairing so when you make a payment, the loan amount goes down so you can see your progress. It also has a simulator that allows you to see if you made additional or lump payments, how much quicker your loan due date will ...
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W
Wally
11/12/23
Very simplistic but powerful budgeting…
Very simplistic but powerful budgeting tool. Once it clicks and you understand it you will love the process.
DH
Deborah Hritz
11/11/23
Support is very helpful
Support is very helpful. This help me understand money a little bit better and I am never left with nothing at the end of a paycheck! Thank you, YNAB!
MF
Marinka Fintelman
11/10/23
The best in finance
The best in finance, I am in control now!
JM
Jeff M. Florida
11/10/23
Why didn’t I find this earlier
Why didn’t I find this earlier? I was an mVelopes user for over 10 years. I thought I had found the best budgeting solution around. Then mVelopes went out of business and I had to switch. mVelopes recommended Ramsey as their preferred replacement. I had experience with Ramsey, and knew that wasn’t for me. So I searched and found YNAB. I’m glad I did. I have been able to get much closer to properly managing my finances. I still have a lot to learn, and I don’t always get it right, but I am ...
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J
Jarrett
11/10/23
Using YNAB has been one of the best…
Using YNAB has been one of the best decisions I have made in years regarding my finances. Before YNAB i had absolutely zero clue how to budget and often tried to keep it all in my head. Simply looking at my account balance and trying to plan for the future did not cut it. YNAB instilled a philosophy around money that has led to me feeling the most confident about my budget I have ever felt. YNAB works, but it is an intentional tool in your daily routine and is well work the effort. Also, ...
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NC
Nintendo Customer
11/09/23
You need a budget.
Helps you out a lot when you need to make sure every cent is working for you.
B
Bre
11/09/23
I love YNAB
I love YNAB! They keep me on track. Not to mention the extremely responsive support staff for all of my questions around maintaining my budget, how to work different situations and credit card usage. Truly enjoy the platform.
K
Kate
11/09/23
Love YNAB
YNAB has helped me turn around my financial situation and feel so much calmer about my money.
H
HG
11/09/23
Great customer service
Date of experience: November 10, 2023
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].