You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons

YNAB is the first budgeting program…

YNAB is the first budgeting program that made budgeting make sense and easy to use. I love that they stress that your budget does not need to be set in stone and can be flexible. I really enjoy their Youtube videos. Those have been super helpful with learning not just about YNAB but budgeting in general. I have recommended YNAB to all my friends.

This is the budget app I've been waiting for!

YNAB allows me to plan for spending without having a lot of different bank accounts. I can also share the account with my spouse, so we can work together on our goals.

Game-changing for your budgeting

I started using YNAB a few years ago. At that time I was not in control of my finances and was 1000's £££ in debt. Now I feel in complete control and have 1000's £££ in savings. I can honestly say I would not have achieved this without this software.

Honestly The Best Budget App Ever

Honestly, this is the best budget I have ever done. I have tried paper budgets, digital budgets, no budgets, other apps and never have kept to a budget or at least followed one. YNAB keeps me honest - because at the end of the day, I can't spend what I don't have - and if I do spend it, I have to cover it. I haven't been negative in my bank account in nearly a year. I also love that it does the math for me - I don't have to worry that I have messed that up. Best app around and I will never ...

YNAB is awesome

YNAB is awesome, but that is mainly thanks to the toolkit. It takes time to get used to YNAB's budgeting methodology, but once you understand it, you'll like it.

Using ynab fixed my finances

Using ynab fixed my finances, I manage to pay my debt and stay on top of my savings

This app is so worth the yearly cost…

This app is so worth the yearly cost because it helps me give allocate the money I have in a very simple and streamlined way, so I'm not guessing about how much money I *really* have. I've tried other budgeting apps but this is the only one that I've found helpful. I've been using it for a year now and it has really helped me stay on top of my finances. Try it out!

YNAB has changed my attitude toward money

YNAB has changed my attitude and performance with money. I now assign all income to tasks, even spending jobs that don't come due for a year. This way I was reading when AAA debted my card for the annual membership this month (August). The money was there already for the automatic withdrawal. It has taken a while to track all my monthly, quarterly, and annual expenses, but I have a handle on where my money needs to go. I am building Fun and Family money pools and unexpected home and car ...

New chapters...

I have tried MANY budget options through the years, and none truly helped me get a handle on $, much less to get ahead. I found YNAB last year while going through divorce and it just made sense to be planning forward instead of 'looking back' at what was already spent. I love the abundance of help options including the podcasts & FB groups. It is great to see how MANY love & use YNAB - and how well it works for them too! All the suggestions, 'fixes', features I had not found yet and ...

Happy with YNAB

One year on YNAB and I could not be happier. The official getting started tools are super helpful. My experiences with customer service have been very positive and prompt. If you have never budgeted using a zero-based system, it can take some time to fully understand, but once you do, it is life-changing. Best thing about it is that YNAB is for everyone. Living paycheck to paycheck and want to get ahead? YNAB is for you. Have some extra income you don't know what to do with? YNAB is for ...