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 611-620 out of 1501
Y
Yossi
10/17/23
Make spending and savings more intentional!
YNAB is a simple, refreshing approach to budgeting that makes spending and savings more intentional! It can take some learning and revising to customize it to your needs, but it is worth the effort!
SG
Sofia G
10/16/23
Never looking back
I was used to organizing my expenses with the envelope system, but it got out of control the less cash I used. My boss recommended YNAB and I love it, once again I have control of where my money is, no matter how many accounts, cards or cash I have. Thank you YNAB team!
K
KL
10/16/23
Easy and convenient
I used to use an Excel to track my expenses, savings and goals but YNAB just made it WAY easier! I've been using it for a year now and you bet I'll continue to do so!
C
Charlie
10/16/23
YNAB is a win-win
YNAB is a great product. It as helped me to streamline my budgeting process, while also increasing my understanding of just how I spend my money. That is a win-win!
S
Sam
10/16/23
YNAB is clearly designed for user…
YNAB is clearly designed for user experience and flexibility. It’s a pleasure to use, does everything I need it to do, and is (for my situation, at least) affordable.
CM
Caleb Merritt
10/15/23
If you are also struggling with debt, get YNAB
YNAB is awesome. They meet you where you are at in your financial journey and offer support and guidance without judgment. Money is often not an easy thing to handle, but the app and the surrounding service make it easier to understand and take action on. It has really helped my wife and I change how we think about our finances for the better, and we are on a much more positive trajectory because of it. I know a lot of people may balk at the price tag, but hear me out. Free money ...
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P
Pavel
10/14/23
I've been using Ynab for years
I've been using Ynab for years, recently I upgraded from the classic version and I am very satisfied with the experience, despite the fact that it now involves a yearly subscription for me. Recommended!
T
there
10/14/23
I appreciate all the thinking about…
I appreciate all the thinking about budgeting and saving money which the YNAB team has done for me! Working with YNAB has been eye opening and has helped me make positive financial strides. Thank you YNAB team!
T
Toni
10/13/23
I'm rich!
I've been able to organize and prioritize my spending in ways that other apps failed. I can setup spending and savings goals and plan accordingly. In the year that I've been using ynab, I'm 100% debt free and my net work, excluding retirement funds, tripled.
VR
Vicki Rosenthal
10/13/23
I love the flexibility of YNAB as well…
I love the flexibility of YNAB as well as the ability add and then hide categories. The iPhone app is easy to use so I’m always up to date on my finances.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].