9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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You Need A Budget Reviews & Ratings
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Spotsaas Editor’s POV
YNAB (You Need A Budget) uses a digital envelope system where you allocate money to specific spending categories before you spend it. This requires upfront discipline—you must categorize every transaction and adjust allocations monthly. If you prefer passive tracking without active budgeting, YNAB will feel restrictive. The app syncs with most US banks and ...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.
Smooth 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 811-820 out of 1501
JK
J. Kuzma
07/23/23
A Must Have Budgeting App!!
Great app. A must have for anyone looking for a personal budgeting app. I have used Mint (4 years) and Every dollar (6 Months) in the past and YNAB blows those other two out of the water! This app is Life changing for personal budgeting and finance!!!
P
Petro
07/23/23
Useful app
Useful app. Well designed.
E
Ethere
07/22/23
Prompt and excellent customer service
Prompt and excellent customer service. Thank you!
H
Hil
07/22/23
Best budgeting tool!
Love YNAB so much! My hubby and I use it all the time—I don’t even look at my bank accounts much anymore because we just go by our budgets. It’s helped us plan together (especially since he has irregular income) and given us such piece of mind. Love the different types of savings goals you can set up, like repeating monthly bills, saving toward a goal (home reno or vacation), or a “nice to have eventually”! Can’t recommend it enough :D
J
Julien
07/22/23
My favorite tool
My First year with ynab just ended and I cannot imagine my finances without it. I recommended it to all my family and its a real (user friendly) game changer. Thank you for this tool. Wish I found it sooner. 😘
R
Rebecca
07/22/23
Great budgeting app
The app works great, everything is easy to find, very secure, and there are lots of resources. I highly recommend it!
T
Trish
07/20/23
YNAB has helped me be more intentional with my spending.
YNAB has helped me have regular check ins with my spouse about knowing where our money is going. It has helped us be more intentional with our spending and create goals that actually matter to us. The satisfaction of having a yearly expense (like paying for the YNAB app) come out of my account, and having the exact amount down to the penny in that category, is truly the most satisfying feeling! Thank you!
D
Dwayne
07/20/23
Got control of our finances
YNAB is easy to use. It enabled me and my spouse to get a really good handle on our finances. We went from doing OK to doing great, and we're even saving more for retirement. Thanks YNAB, you're the best.
R
Richard
07/19/23
Game changer.
Date of experience: July 20, 2023
K
Kevin
07/19/23
First time i'm really able to save money !
The YNAB app and team is helping me a lot on my savings habitudes ! The app is nice and easy to use and they have a lot of video on youtube to get good financial advice and how to put them in practice !
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].