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 721-730 out of 1501
GB
Giuseppe B
09/06/23
Changed my life
One of this rare product that can truly change your life and get in control of your finance. It’s not just an app, they are really active in their social channel with insightful content
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Lynna
09/06/23
I finally feel like I really know how all my money is used ...
I've used YNAB for over a year now and it has quickly become my favorite budgeting program ever (and I've tried a few). I love that I can see exactly where I've assigned all my money and the progress we're making on various savings goals. Having savings designated for specific needs rather than just an undesignated lump sum is so much more reassuring that I'm planning for real expenses.
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Arseniy
09/06/23
I totally love YNAB
I totally love YNAB! After testing a lot of tools YNAB is absolutely great! My favorite function - automated categorization of imported transactions.
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Merry
09/05/23
CC debt gone 🥳🥳
YNAB helped us organize our finances so that when an increase in income occurred we could effectively pay off debt and have emergency savings instead of just lifestyle creep. We are now free if credit card debt and when a surprise car repair happened for $3000 we just had the money to pay it for the first time ever. The company's educational resources and the reddit community were awesome for getting the budget set up in a way that works for us. The way YNAB works fits well with my kind of ...
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MS
Megan Smith
09/05/23
YNAB has completely transformed my…
YNAB has completely transformed my financial status in my household. It has a bit of a learning curve but their customer service is very helpful and there are many videos, books, etc to help as well! Once you get the hang of it, it works wonders!
RB
Rich Barrett
09/04/23
It'll Change Your Life
Philosophy: This has been, by far, the best tool for my wife and I to recognize the finite nature of money and to only budget what we have. We are huge fans of the four rules! Execution: The phone app is great and on-the-go entries can be made in seconds. The web app is probably the best web-based software I've used, feels like a real app. Community: This is what really makes YNAB the best. The Facebook groups, the YouTube videos, the in-app help, all combine to help you get up and running ...
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Garth
09/04/23
This has changed my whole approach to…
This has changed my whole approach to money and budgeting. Now I feel in control of my finances firnthe first time!
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Chris
09/03/23
A total game changer!
YNAB has given me greater control over my finances than I’ve ever had before, helped me minimise debt, revolutionised planning for known an d unanticipated future expenditures, and allowed me to make meaning savings. It has been a total game changer and has reduced stress and worry significantly
C
Carine
09/03/23
YNAB was the last tweak I needed to…
YNAB was the last tweak I needed to finally get a total peace of mind in managing my money. It has all the options you might think of, helps you know where you stand and shows you where you’re going : towards your objectives or not.
AF
ALISHA F
09/03/23
Save Yourself, get this app!
I've been using YNAB over a year it was suggested by my Financial Coach (Jeremy Edmonds). It has brought a new light on proper usage of money. I love the options they provide integrating bank accounts to platform.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].