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 791-800 out of 1501
PF
Paul F
08/02/23
Finally taking control of my money
I can't imagine a better system to manage money in the 21st century. YNAB keeps all my accounts and all my spending goals in one place. It was a good bit of work to set up at first, but the effort pays off. I'm finally saving money instead of wondering where it all went each month.
RI
regretful impulsive
08/01/23
Defense against impulse regrets!
Defense against impulse purchase regrets! I love being able to label every dollar I have for the job I want it to do, and how easy YNAB makes it for me to change, relabel, or delete that job as I change my mind. It makes my own decisions clear and upfront so that I can make my spending decisions rather than have it made for me by impulse purchases. The support for this service has been amazing.
Z
Zoe
08/01/23
Will Likely Use This Forever
Has completely changed my relationship to money and empowers me to save and spend without anxiety. I know exactly what I can/can't afford and feel comfortable making spending decisions.
A
AJ
08/01/23
Easy and Fun
YNAB is super easy to use. For someone that hates budgets, I'm now excited to watch my categories turn green. ;)
BB
Brittany Bell
07/31/23
Ynab is the only budgeting software…
Ynab is the only budgeting software that I have been able to understand and stick with. The zero based budgeting works so well with me. Thanks so much for this amazing software.
A
Al
07/31/23
Great Idea & Company
They're very helpful and responsive. They have a clear direction they're going in
S
Sara
07/31/23
Peace of mind
It’s brought so much peace of mind knowing exactly where our money is going and being prepared for the months ahead. I don’t like surprises when it comes to my finances and this app has greatly reduced these surprises. I feel grateful for what I’ve learned and how it’s changed my spending.
J
Julia
07/31/23
The easiness of useing the app and a…
The easiness of useing the app and a huge amount of information from the podcast and youtube videos.
TU
Tricia Uselton
07/30/23
I absolutely love YNAB
I was told about YNAB by a coworker. After searching and doing reviews on several other budget programs and watching videos on what each program does and does not do - I decided to give YNAB a try. I decided that for me – I wanted to manually input my transactions. This forces me to input everything I do so that I can see exactly where my money is going. It truly changes the way you think about spending money. YNAB has saved me so much money over the past year since I have been using it. I ...
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L
Lonneke
07/29/23
Amazing
Been using YNAB for a year now. I couldn't even begin to describe the difference in my anxiety surrounding my finances. YNAB helps me in creating a clear budget. The support team is so great as well.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].