9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
Add to compare
You Need A Budget Reviews & Ratings
Are you using You Need A Budget?
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.
Filter results
Sort by :
Showing 881-890 out of 1501
E
Emily
06/20/23
Made my relationship with my finances so much stronger
Best app/program for improving your relationship with money and comfort with your finances.
JN
Julie N
06/20/23
I wish I had started using YNAB years…
I wish I had started using YNAB years ago! Simple to use, very handy as a mobile app to quickly input transactions. I highly recommend.
AM
Antonis M
06/19/23
I now know where my money is going and…
I now know where my money is going and I have less stress and good control on my spending.
AM
Antonis M
06/19/23
I now know where my money is going and…
I now know where my money is going and I have less stress and good control on my spending.
E
Emily
06/18/23
It’s just awesome
Date of experience: June 19, 2023
HW
Holly Wilkerson Collins
06/18/23
YNAB is a such a quality product
YNAB is a such a quality product. It’s extremely useful, it’s always being maintained and updated, it’s a great value for the price, and the brand has fantastic content to supplement the product on your money journey!
HW
Holly Wilkerson Collins
06/18/23
YNAB is a such a quality product
YNAB is a such a quality product. It’s extremely useful, it’s always being maintained and updated, it’s a great value for the price, and the brand has fantastic content to supplement the product on your money journey!
E
Emily
06/18/23
It’s just awesome
Date of experience: June 19, 2023
CE
Claire Edwards
06/17/23
It just works
I rarely review anything because I'm lazy but YNAB has genuinely changed my life. It just works, and well. Yes I was niggled when they went from the stand alone app I'd paid for, to the web app subscription system, and I held out a LONG time refusing to change. However I can't deny the bank import is beyond useful (if only they had more UK banks it'd be perfect) and the money I've saved since YNAB helped me sort myself out more than makes it worthwhile paying for. Also never had less than ...
Read more
CE
Claire Edwards
06/17/23
It just works
I rarely review anything because I'm lazy but YNAB has genuinely changed my life. It just works, and well. Yes I was niggled when they went from the stand alone app I'd paid for, to the web app subscription system, and I held out a LONG time refusing to change. However I can't deny the bank import is beyond useful (if only they had more UK banks it'd be perfect) and the money I've saved since YNAB helped me sort myself out more than makes it worthwhile paying for. Also never had less than ...
Read more
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].