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 701-710 out of 1501
B
Brian
09/14/23
$33K in debt to $0 in just over a year.
I went from $33K in debt to $0 in just over a year using YNAB. It's been amazing for planning my monthly expenditures, tracking taxes, understanding my true expenses, and being able to pay off that horrible debt without feeling like a pauper. I actually know now where my money has gone and, more importantly, where my money is going. So I have full insight into how much I CAN spend on other things besides essentials. I've even been able to treat myself to items from my Wish List and Wish ...
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J
Jessica
09/13/23
YNAB has helped me save so much money
YNAB has helped me save so much money! I love using it to budget and plan.
T
there
09/13/23
YNAB has helped me staying track with…
YNAB has helped me staying track with my bills, plan ahead, and save.
M
Mae
09/13/23
The only thing that worked
I love YNAB, it is the first budgeting app that makes me excited to use it.
C
CMorrill
09/12/23
Absolutely love this app
Absolutely love this app! It was definitely an adjustment at the beginning obviously but it really has helped me and my husband really pay more attention to our spending and helps us determine what things are and want or a need when purchasing.
T
there
09/12/23
Amazing
It's awesome
AR
Aaron R
09/12/23
Great product and valuable budgetting
This product is great and has been wonderful for planning our monthly budget and longer term debt payments. My biggest complaint is that there isn't more planning categories. For example, I don't want to show a budget shortage once I've assigned money, but moved it to another category. That would let me know that I've successfully assigned the goal, but not show a warning if I need to prioritize the money elsewhere for that month.
T
TD
09/11/23
YNAB has given me financial freedom
YNAB has given me financial freedom. I love knowing where every dollar is going, and it helps me live within my means. My credit score has risen 20 points after using YNAB, because it has helped me get out of debt and stay out of debt. Love the app and desktop option, it is easy to use. I love that I can share it with family and help get them on a budget too.
TF
Tonia Feinstein
09/10/23
YNAB is a lifesaver
YNAB is a lifesaver. My husband and I can access it at anytime. We have super busy lives and always juggling a million tasks. It take a little time to set it up the way that works best for you but once you have your perfect budget it’s 🤌🏻
OC
Oak Cooper
09/10/23
intuitive app, fun to use
It's the little things. Well thought out user experiences. This stuff matters. It actually makes it fun to budget and reconcile. Way to go!
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].