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9.4

Spot Score

You Need A Budget - Personal Finance Software

You Need A Budget Reviews in April 2025: User Ratings, Pros & Cons

Manage your money, meet your goals.

4.3

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You Need A Budget Reviews & Ratings

4.3

Very Good

Based on 35 ratings & 1501 reviews

Rating Distribution

Excellent

(1494)

Very Good

(4)

Good

(2)

Poor

(0)

Terible

(1)

Expert's Review

YNAB, or You Need A Budget, has garnered high praise from users over the past 12 months, and it's easy to see why. The digital envelope system offered by YNAB has transformed the way individuals approach budgeting and managing their finances. By connecting seamlessly to bank accounts and credit cards, users gain a real-time insight into their spending habits, ...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.

  • Seamless 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 151-160 out of 1501

SE

Stephanie E

03/22/24

5 out of 5

I love YNAB

I love YNAB! It has been one of the best financial tools I have ever used. It has changed how my husband and I do our budget.

T

Tim

03/22/24

5 out of 5

YNAB saved me so much time

YNAB has made my budgeting so much easier. Previously, I concocted my own system for future budgeting and using mint to track spending. I'd spend at least 4 hours a month reconciling my budgeting and spending. YNAB seamlessly combines everything and I probably spend 5 minutes every other day. The biggest benefit is that I'm up to date all the time, rather than only whenever I spent a couple hours.

I

Ian

03/22/24

5 out of 5

Made life more simple

Made life more simple, clear, and easy to navigate. I love this app

A

Anna

03/21/24

5 out of 5

I love YNAB

I love YNAB - I started my personal finance journey last year & have been talking about YNAB enthusiastically to everyone I meet. I have introduced my friends to it & helped them learn it, and I talk to coworkers about it all the time. I love the ease of use, ease of information & tutorials, how good of a support system it has & I love other YNAB user’s enthusiasm! YNAB has been life changing. Would love a merch sale sometime soon pleaseeee!

MA

Matt and Jacint

03/21/24

5 out of 5

YNAB provided the visibility of our…

YNAB provided the visibility of our spending and looking back after a year, knowing when and what our annual bill occur and our general spending patterns.

S

SO

03/21/24

5 out of 5

Getting organized without the stress.

Getting organized without the stress. I had gotten my financial life together but my homemade system wasn't particularly efficient. There was a bit of a learning curve and a few initial missteps, but now, checking in and making adjustments takes just minutes a day and fits easily into my routine. Overall, I highly recommend YNAB to anyone running a household budget.

T

there

03/21/24

5 out of 5

Love it

Love it. Completely changed the way I track my finances and allows me to understand where every dollar is going. I'd highly recommend to anyone that's willing to make the effort towards keeping up with it

JV

Jazmine Vaughan

03/21/24

5 out of 5

YNAB is just great

YNAB is just great. great program and great customer service.

BB

Boulder Bookkeeper

03/21/24

5 out of 5

Bookkeepers Choice for Client…

Bookkeepers Choice for Client Recommendations! You Need a Budget (YNAB) isn't just a budgeting tool; it's a transformative philosophy encapsulated by its Four Rules, which have been life-changing for me and my bookkeeping clients. These principles instill intentionality, proactive planning, adaptability, and financial stability. YNAB's user-friendly interface and robust features streamline budgeting, while its integration into professional practices enhances financial clarity and informed ...

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J

Jordan

03/20/24

5 out of 5

Best budgeting tool I've ever used!!!

Date of experience: March 21, 2024