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 801-810 out of 1501
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Lisa
07/29/23
Amazing!
Amazing! It has completely changed how I think about money. I’ve tried other so-called budgeting apps and nothing even comes close. I have more money in the bank than I’ve ever had yet somehow still do all the things I enjoy. I also love the tutorials, which are really helpful and done by super fun people. Just a great experience all the way around.
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Erika
07/29/23
YNAB is a game changer!
I was able to make a budget for my household and my business and put significant savings away for a downpayment in the first year of using YNAB! I love how much clarity I now have about where my money is going, which makes me feel empowered instead of dreading thinking about money. I highly recommend YNAB!
BP
Brooke Pagan
07/28/23
YNAB is a must have!
I started using YNAB with my boyfriend when we both had no savings and lots of credit card debt. The unique tracking features helped us to afford a nice wedding and buy our first home within the first year! I can't imagine going back to not having YNAB in my life. I love all of the features and I honestly dont know what could be better.
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B.L.C
07/28/23
Financial Control
I have always lived paycheck to paycheck. My son introduced me to YNAB when I was in my 50s and I finally have control over my finances. YNAB's budgeting is so easy to use. I actually look forward to money coming in so I can play around with it. I have money set aside for big ticket items now so I can pay cash when the event happens (ex. new roof).
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Brad Goodridge
07/27/23
YNAB experience as a senior
Well, I've been using this software for many years and have found that it just makes so much sense. I must say the time commitment has sometimes been an issue, trying to balance the YNAB routines necessary (especially at month-end), with work and life taking precedence. Since I've been retired, I have had time to keep up and now use the categories to create contingencies which are increasingly necessary as we age. Life is less predictable due to health considerations and those predicaments ...
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Carolyn
07/27/23
Thoroughly recommend
Excellent system for doing your money. It’s fun and keeps me informed. Takes a little while to get used to
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Patient
07/26/23
Take control!
Love this app! Use it for myself and I’ve got my kids using it and it really is a great way to make your money work for you.
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Paul
07/24/23
Training and help
The training resources related to using the app and implementing the 4 rules are exemplary. The blogs. Podcasts. Helpline, etc. Are all so so good.
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Lydia
07/24/23
Life changing budgeting tool…
This app has dramatically changed my behaviors and attitudes toward money, spending and saving. It absolutely pays for itself and I can't imagine trying to budget without all its features ever again.
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Matthew
07/23/23
Great principles to budgeting
Great principles to budgeting! The UI is designed pretty well all around and I would (and have) recommended YNAB to family and friends.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].