9.4
SpotScore
You Need A Budget Reviews in October 2026: User Ratings, Pros & Cons
Manage your money, meet your goals.
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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 971-980 out of 1501
T
there
05/09/23
Lauren
Contacted me quickly within two days and clear in diagnosis help she gave and easy to follow clear directions in instructions for the solution!
A
Anonym
05/08/23
free help and flexibility
There's a lot of free help. There are many different ways of budgeting.
H
Hannah
05/07/23
My husband and I have loved using YNAB
My husband and I have loved using YNAB. It is so customizable, clean and bug-free and by far better than our experience with other budgeting systems. We used to use Google sheets, then moved to Mint, and now to YNAB. We haven't had any complaints, and in fact the opposite - we rave about it! The desktop and app version both work well. Absolutely worth the cost!
K
Kem
05/07/23
Worth Raving Over
I could sing its praises forever. I was skeptical about paying for a budgeting app, but love this so much. I recommend it to all my friends & family.
T
there
05/06/23
I was trying couple of applications but…
I was trying couple of applications but YNAB is best for me. Highly recommended
T
TB
05/04/23
I’ve been using YNAB for a year now
I’ve been using YNAB for a year now, and it has completely changed my financial game. I was living day to day with my finances, always broke, and never saving anything. Now, I’m always a month ahead on my bills, have a few thousand saved, and I’m always prepared for expenses that in the past I would have forgotten about (like tire changeovers and yearly subscriptions). And the tutorials on YouTube are fantastic. I’m a total budget nerd now! I’ll be using this forever.
LB
Liza B
05/04/23
Life impacting software
Life impacting software. Great customer service.
CJ
Christian Joachims
05/04/23
Great budgeting app
Date of experience: May 05, 2023
MD
Meg D
05/04/23
It completely changed the way I…
It completely changed the way I approach personal finance and money management. As a newly divorced individual, who suddenly had to manage a budge for an entire household, this saved my life (and hundreds of dollars). A yearly subscription *easily* pays for itself in a few months. Thank you for helping me reach my goals!
DR
Darwin R
05/03/23
Control your budget control your life
YNAB has given me control of my finances by teaching me to give every dollar a job. From cash to credit cards, use the YNAB to meet your needs. App is very easy to learn and use. Just renewed my subscription for a second year.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].