You Need A Budget Reviews in June 2026: User Ratings, Pros & Cons

Easily worth the cost

YNAB is easily the most robust, and effective budgeting tool to keep your finances in order. It has a great layout and feel, and handles credit cards in a way that keeps you out of the hole. Compared to other apps and budgeting tools that I've tried, YNAB is just built diff. Absolutely worth the price.

This app changed my life.

Date of experience: June 29, 2023

Game-changer!

I have been using YNAB for a little over a year, and it's the only budgeting tool I've been able to stick to. The combination of transactions being automatically imported and having to approve/categorize all transactions ensures that nothing falls through the cracks or ends up in the wrong category. And the support I have received when I've had an issue or even just a question has been exceptional. Highly recommend!

Game changer

YNAB has made budgeting so much easier to do and to maintain. I feel like I really know where my money goes now. It is easier to save money for future expenses. YNAB keeps getting better and easy to use. Love it. I will always keep budgeting with YNAB.

I'm glad I gave it a try!

Beginning with YNAB, I had a few hiccups and frustrations, but once I reached out, the YNAB team was very helpful. I've not been using it for a year, and I've been able to save money AND get the bills paid which is something I've struggled with over the years.

Fantastic

It has a steep learning curve and takes some time to learn. But I can truly say that in a moment of financial stress this app was a significant help to get back on track

It's simply invaluable, and I couldn't rate and recommend YNAB more highly.

Myself and my wife have been using YNAB since 2015 and, without doubt, it is the single most useful and important app that we use. I cannot stress enough how invaluable YNAB is, and we would recommend it to anyone, no matter where they are in their financial life. Without YNAB we wouldn't have got our debts under control, and it has given us a freedom from financial anxiety that would be impossible to replicate elsewhere. YNAB gives a comprehensive, real-time overview of our finances, and ...

We found financial peace with YNAB

Since using YNAB and following the four rules we have ended the paycheck to paycheck cycle. A big part of that was learning to embrace true expenses and giving every dollar a job. We have used YNAB for just over a year. We went from the stress of worrying about paying the bills to knowing we can cover our bills and plan a finically sound future.

Best Budgeting App

Well worth the money to have a great ad-free budgeting app. YNAB makes it easy to budget and know where you are financially with month-to-month expenses. I am self-employed and income fluctuates a lot. I started using YNAB because I wanted to be smart about where those hard-earned dollars were going. It was stressful not knowing if we had the money to pay for basic needs and infrequent expenses like car maintenance issues or a vacation. YNAB helped me manage the stress of expenses that come ...

Very nice application

Constant app updates. Continuous online updates.