9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
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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 841-850 out of 1501
J
John
07/06/23
Great budgeting app with excellent…
Great budgeting app with excellent customer service.
T
Tim
07/05/23
The best part is their support
The best part is their support. Always helpful and budgeting can get complex, it's nice to have help.
KW
Kim Wood
07/04/23
This budgeting tool has made it easy to keep track of my finances.
This budgeting tool has made it possible for me to get debt-free and live within my means. The customer service is amazing as they always answer my questions quickly and thoroughly. The app is easy to set up and use. I can’t recommend it highly enough.
BL
Brian Lee
07/04/23
Boost your financial literacy with YNAB!
With YNAB, I have learned to enhance my financial literacy. Before, I blew so much on unnecessary items, especially dining out. It has helped me to remain more fiscally disciplined and ensure that I have enough leftover for longer-term savings such as a dream vacation or future wedding.
SÓ
Seán Ó Domhnaill
07/03/23
There was an instant response to my…
There was an instant response to my email. YNAB is always very pleasant to deal with.
N
NM
07/01/23
Great way to track your spending
Great way to track your spending. Plus you can print out the reporting for tax categories
AA
Anjum Abbasi
07/01/23
Software Everyone should use
Software Everyone should use - YNAB, what a wonderful software it is. I read somewhere that after using this software I paid a huge loan and now my personal budgeting really good. This made me think how one can get rid of loans because of a software or app. I started studying about it and I purchased the subscription in the same month. I used many other apps before but I understood about Personal budgeting in real sense after using YNAB. I was just recording transactions before in other ...
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E
Elaine
07/01/23
Simplicity rules!
I love the simplicity of the rules and the user interface.
P
Patty
06/30/23
Ynab has greatly helped me manage our…
Ynab has greatly helped me manage our smaller income by making it easy for me to easily see what we have available to spend in each category. I also value being able to have smaller short term savings categories. I am a veteran budget nerd but Ynab has been a game changer!
C
Celso
06/30/23
I started YNAB with $7 in the bank
I started YNAB with $7 in the bank. Now I am almost debt free and have enough saved up for a wedding, honeymoon, AND 6 months of income. The techniques, ideas, and software work. I have been and will continue to encourage everyone to use it.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].