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 561-570 out of 1501
BA
Best app
11/09/23
simple to use
Date of experience: November 10, 2023
AR
Amy Rabideau
11/08/23
Life changing app
This app has been easy for the family to use and life changing!
VH
Vanessa H
11/08/23
Excellent product & excellent service
Excellent product & excellent service! After over a decade using another budget service I made the switch to YNAB when they shut down a year ago. After 1 year with YNAB, I only regret not moving sooner. YNAB is a great place to reach your goals & it has the right team to just keep making it better.
C
Cherie
11/08/23
Helpful in all ways
Helpful in all ways. App works great. The “thinking” / philosophy behind it just makes your brain and emotions “get” what you are doing when you budget. I'm out of credit card debt! Forward on my mortgage and comfortable even with rising rates. AND I still get to go out, buy things, travel or splurge at Christmas.
M
Michael
11/07/23
YNAB allows us to do "sinking funds"
YNAB allows us to do "sinking funds", and is the most intuitive and flexible budgeting software out there right now. Benefits my marriage everyday by making money a non-issue.
R
Roxie
11/07/23
YNAB is a huge help for my ADHD
YNAB is a huge help for my ADHD! It's hard to make money feel "real" sometimes with ADHD and plan for the future, and YNAB has helped me keep perspective and keep money feeling more real and give me a better reminder of consequences if I go off-budget. It's helped me weather some sudden financial changes and keep future bills in mind. I absolutely love it!
JD
João Dinis Ferreira
11/06/23
Can't imagine myself managing my finances any other way
I've been using YNAB for just over a year now, and it has genuinely changed my mindset towards personal finance. It has enabled me to keep a tight grip on what my money does, and to better align my spending with my goals and intentions. I sincerely cannot imagine myself managing my money any other way. I highly recommend YNAB!
A
Angeliki
11/05/23
YNAB is a game changer
YNAB is a game changer. It allowed me to save thousands of dollars in my first year of use. As an independant business owner, my income fluctuates, and because YNAB allows me to give every existing dollar a job I am able to ensure my budget no longer relies on future income. Make the investment. Use YNAB's endless resources to evolve your budgeting methods - between YouTube and the podcast, YNAB provides so many tools to help you curate a budget that makes the most sense for you as an ...
Read more
K
Kevin
11/05/23
Great!
Great! I really enjoy it.
JW
J W
11/04/23
A life changer
A life changer! I always know how much I “actually” have now, not what my bank account says I have. Makes it easy to save. I’ve never saved more than I have since YNAB.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].