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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 211-220 out of 1501

J

JJ

03/01/24

5 out of 5

I know where my money goes

This application has changed my life. An uneasiness I wasn’t fully aware that I had is gone, the uneasiness of not knowing where my money is going.

W

WT

03/01/24

5 out of 5

Great product

Great product. Good support. Good instructional videos. Been using ynab for a year now.

E

ER

02/29/24

5 out of 5

Incredibly Helpful Budgeting Tool

I was looking for a tool to track expenses that I could easily access from my phone. Monitoring my finances and budgeting with YNAB has helped me pay off $25,000 in debt in little over a year. Highly recommended.

J

Jb

02/29/24

5 out of 5

Great product

Great product. Very helpful. A little clunky moving around in the App. There are work arounds but it could be more user friendly. Also I don't love how after a few days, it requires you to address a negative balance in a category; and it kind of freezes up the system until the negative is dealt with. I feel like I should be able to manage that negative on my own terms . My biggest suggestion would be the ability to see all the activity I have done in one session: all the moves, transfers, ...

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AW

Amy W

02/28/24

5 out of 5

Life-changing

Life-changing. If I had discovered this app 10 years ago, I’d be retired now.

T

TJ

02/27/24

5 out of 5

It has changed the way I think about…

It has changed the way I think about our money and helped me make more I formed financial decisions.

MS

Marcos Schmidt

02/27/24

5 out of 5

Amazingly simple and effective

Amazingly simple to use and very good at teaching a budgeting method that actually works. Transformed my financial life!

BW

Bev Watson

02/26/24

5 out of 5

Easy to use

Easy to use. Still working on the budget. Lets you start over love this app

P

Phil

02/26/24

5 out of 5

YNAB has changed my life for the better

YNAB has been life changing for me. It is incredibly customizable and flexible allowing me to design the budget that is relevant to my life and the inevitable variability month to month. The user interface is intuitive and seemlessly links with my banks. Cannot recommend YNAB enough. The savings easily cover the annual fee. Sign up!

AF

Andres Felipe Espinosa Vela

02/26/24

5 out of 5

It has changed my life

It has changed how my family approaches finance and, by extension, has changed our lives.