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 601-610 out of 1501
R
RC
10/20/23
Best app
It's great for managing money and the customer service is amazing.
AH
Alison Hodges
10/20/23
Excellent excellent!
Excellent excellent!! Has made managing my finances so easy. Can’t recommend highly enough.
MS
Mike Shelton
10/20/23
I’m loving it
I’m loving it, I feel like I have so much more awareness. Reach out to the military. This would be an excellent option/training for young service members to learn how to build budgets and spending plans early in their careers.
S
Scott
10/19/23
Budgeting that builds confidence
I was able to see what I was doing wrong throughout my budgeting career, That all things can be prepared for when you know what job your dollars are doing. Very intuitive way to understand money and cash flow.
ZK
Zach K
10/19/23
YNAB is the best mix of complex and simple
YNAB is the best middle ground between complex and simple. It seems like every feature I need to be able to use when I have some kind of obstacle in my budget is handled already by a feature of YNAB. It’s always just a matter of learning it, and usually it’s intuitive enough I don’t need to look up a guide. The only criticism I have is the lack of ability to connect certain cards (my Kohl’s credit card, for example).
D
DanielR
10/19/23
Money for real? YNAB!
The app allowed me to set money goals considering the budget as the star of the process. This is the best way to make money for real.
T
Tonya
10/18/23
It's a very useful tool
It's a very useful tool. They do a great job with informative/helpful new letters and videos, etc. They makes changes to improve the customer experience.
R
RB
10/18/23
YNAB has been the perfect solution
YNAB has been the perfect solution to my personal banking woes. I started using YNAB almost a year ago with the assistance of a YNAB-recommended personal finance coach. It took me several weeks to shift my mindset, specifically to giving each dollar a job and setting reasonable budgets for my spending, but it's been a life-saver. I'm certainly satisfied with my YNAB experience!
C
Carl
10/18/23
10/10 Would Recommend
Life changing. Been using it for a year and a half. Savings skyrocketed, money management has improved, and I feel happier and more stable financially through the help of YNAB's software and educational resources. It's a lot to learn up front but if you stick through it, it's such a low maintenance service that works wonders. Helps me focus on more important things in life and not stress out about money regardless of my circumstance.
P
Patricia
10/17/23
It is the first time in my life that…
It is the first time in my life that have a budget and helped me a lot with my expenses
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].