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

No more panic time

No more panic time when a yearly bill comes up. Save for it over time! Devs, It would be great to be able to auto assign cash to each group individually. Other than that this app is spot on! I have used many others and YNAB is the best! Thank you YNAB!

Will never be without it!

I've been using this app for about a year. It's totally changed my life and made it so much easier to work towards my financial goals. We've paid off debt, give on a vacation, and have a much easier the dialoguing about money and it priorities. I recommend this program to everyone!

Changed my Life

YNAB has changed the game for me, since starting I've seen my net worth slowly increase as i pay off my student debt and save more. I've also been able to go on many holidays and travel overseas and invest. YNAB helps my focus on what's really important to me and where my money needs to go to align with my values.

I love YNAB

I love YNAB. It's easy to use and the only way I'll ever budget again. YNAB changed my financial life forever. Never before has spending money felt so good.

Ten years and counting

I've used YNAB almost 10 years now. It's a great product that helps me have a control over my finances.

My favorite app!

I love this app so much! For the first time in my life, I have a clear picture of where my money is going and whether I'm saving enough for those pesky expenses that come up once or twice a year and used to blow my monthly budget. YNAB has allowed me to save enough for a midcareer sabbatical; something I've wanted to do for a long time. Leaving a secure job is less daunting when you know with confidence that you have enough saved to cover expenses and even a few unexpected life events.

It's a marathon, not a sprint.

This is my second time giving YNAB a try. The first time I had a hard time wrapping my head around the process and bounced off the product. This time however I have just passed my 1 year anniversary and I have been able to start moving my finances in the right direction. There is still a journey in front of me, but I am ready to take it, and I know that if I ever hit a rough patch that there is an awesome community that I can reach out to for help.

YNAB's the best!

We have used YNAB for years to manage our household finances for a family with six kids. I appreciate how it interfaces daily with our banks, credit cards, and investments so our balances are always up to date. It's easy to manage our cash flow. YNAB can detect location so it autofills your payee and credit card information when you input a transaction, saving time. It automatically syncs with your spouse's entries. Great app, fantastic and friendly customer service. Totally worth the ...

Let’s be honest…

Let’s be honest - trying to remember everything you’ve got to pay for during a whole year is hard. Probability of spending too much on stuff you want but don’t really need is high. YNAB is the tool that doubles up as a best friend, remembering everything you’ve got to pay for and letting you know what you can spend. When I started, I was using my credit card to make ends meet. Each bill was paid using that current months pay check - which meant more credit card use as there was nothing left ...

I love YNAB so much

I love YNAB so much, I purchased accounts for my grandkids. It's too bad they don't teach kids about building budget in high school. The app is great to update transactions throughout the week. Very intuitive, even for me :)