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 821-830 out of 1501
K
Kuby
07/18/23
Pay the money. Use the app. Reap the benefits.
Allows me to know exactly what’s going on with my money at all times. Probably the best app that money can buy.
S
Shahriar
07/18/23
My favourite company & app
Ynab is not only my favourite personal finance app, but it's my favourite app ever. I also love the community, the company and the budget nerds. Such a life changing experience. I'd work for them if I could.
KC
Kelly C
07/18/23
Easy, Flexible, and Fun!
It's easy to use and gives me more flexibility into my expense control than other products I've tried in the past. Most importantly my brain gets a bit of a dopamine hit twice because I "spend" the money twice! Once when I budget it out and once when I actually buy something. As someone who struggles with buying for the sake of buying, this is a huge help to me!
G
GK
07/18/23
Lifesaver
For 25 years I was incapable of keeping a budget. The positive effect of YNAB on my financial situation was essentially immediate. This tool is a life saver and one of the best decisions I’ve ever made for myself.
P
pb
07/17/23
love it
Best most detailed budgeting app I've ever used. I love the features it has for paying down debts and all the categories.
M
Mick
07/17/23
Even my wife enjoys it
I failed at using YNAB during my free trial, but about 6 months later I tried again and it’s changed the way I budget forever. Stick with it through the learning curve and you won’t regret it. Even my wife who doesn’t like to budget likes using YNAB.
J
Jacob
07/16/23
Highly recommended
Simpler to use than some other budgeting apps I've tried. Easy to see monthly goals and spending habits. Highly recommended. There are a few UI things I dislike and I've had some problems linking a bank account, but the problem send to be being worked on. Overall a great app.
T
there
07/16/23
Love how it handles cash flow with…
Love how it handles cash flow with credit cards. Truly unique.
C
Christina
07/15/23
YNAB is the best budgeting software…
YNAB is the best budgeting software when you’re truly ready to get control of your finances. You have to be committed because it requires a mindset shift to work and that can take some time. But there are loads of videos and podcasts to help. It’s life changing.
AC
A customer
07/15/23
Great service that kept my immigration with positive balance
I’m using YNAB since 2015 when I first time migrated. In a new country it’s often harder to track expenses in a new currency. So I was happy to discover YNAB and get my expenses under control since first weeks in a new country. This year I moved for a second time, once again different currency, and YNAB which helps me spend exactly the amount I can afford to spend. I’m planning to continue using it for a few more years, and won’t be surprised to end up having it for decades.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].