9.4
Spot Score
Manage your money, meet your goals.
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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
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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M
Marianne
02/26/24
Love the whole ecosystem
The app is great, it's influenced my behaviour just as I hoped, support is friendly and efficient and newsletters and podcasts are fab too!
SS
Susan S
02/26/24
Credit cards don't cause a headache
Credit cards don't cause a headache. I like the way the app handles credit card transactions and payments. With it taking money from my budget categories and treating payments as a transfer my budget makes sense no matter the payment method I use. I also like the payment simulator for my loans so I can actually see what paying extra would mean in the long term.
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Len
02/25/24
Get out of debt and start saving
The best way to get out of debt and start saving. There is a bit of a learning curve, but well worth it. YNAB helped me control my spending, pay off my debt (and avoid making new debt), and to start saving more towards retirement.
BG
Britt Galbraith
02/25/24
YNAB makes budgeting so much easier
YNAB makes budgeting so much easier. I like being able to keep track of spending and save for future goals. The layout helps me see everything more easily.
A
Amir
02/24/24
Life changing!
This app and, most importantly, the 4 rules system has been a complete game changer for our family! There is an education that goes along with it but YNAB folks make this easy to absorb in bite-sized chunks via short videos or whatever. The security you get by knowing that all your needs are budgeted for means you get peace of mind and guilt free spending on the things you want because you know you can afford it. My only regret: not doing it sooner!
MM
Mike Mitchell
02/24/24
The YNAB budgeting tool could not be more perfect
The YNAB budgeting tool could not be more perfect. It's design and structure makes budgeting intuitive, flexible, and fun. I look forward to signing on every day.
F
Frank
02/24/24
YNAB has helped me save money better…
YNAB has helped me save money better than ever! I am so grateful for the way that YNAB makes financial responsibility easy.
A
Adam
02/24/24
YNAB showed me where my money should go!
YNAB has allowed me to actually pay my bills, still have money for groceries, AND eat out. This app has shown that our earnings are enough, and we just were terrible with money. We're still pretty bad, but now we can pay our bills :)
J
JF
02/23/24
Great for Budgeting
Has really helped me to budget and be mindful about how I spend my money
DV
Dhruv Verma
02/23/24
The best budgeting app
This great tool provides me visibility to my finances and helps me save for my goals
