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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EG
Estella G
02/17/24
YNAB has changed how I budget and has…
YNAB has changed how I budget and has kept me organized. I 100% recommend it and can't see myself managing my finances without it. I also run a business so the ability to have separate budgets for personal and business (without having to pay an upgrade or another fee) is great.
M
Michelle
02/17/24
I love using YNAB
I love using YNAB! I used Mvelopes for over ten years. When Mveopes decided to close its doors, I began looking for a replacement. I tried several other options before finding YNAB. I had a bit of a learning curve, but once I got through that, I have loved using it. The few issues I have run into have been quickly resolved by contacting support. The support team has been very kind and helpful! I plan to stick with YNAB for all my budgeting needs!
SH
S. Hughes
02/16/24
Turned my financial life around 180 degrees.
I was looking for a budget program to help me get my finances on track. I was tired of not knowing how much money I had left to spend, how much more money I needed to cover certain expenses, and always getting surprised by that "oops!" bill before payday. I started YNAB at the beginning of 2023, and haven't looked back. I have saved THOUSANDS of dollars just by using this system. I highly recommend it to everyone!
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Bernardo
02/16/24
YNAB ROCKS!
For my whole life I've always felt that I can handle my expenses based on my income but never with a true sense of control. YNAB rocked my world! It rocked my wife's world too! And in the absolutely best way possible. My wife also came from a place where money discussions were not only a drag, but even avoided, a source of anxiety and discontent. Now she's a believer! YNAB has enabled me and my wife to take full control of our finances, to make the most of all the perks our credit cards ...
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GK
Greg K
02/15/24
Easy to use
Easy to use. Helped me manage and prosper on a fixed income. Lifesaver!!
MK
Martin K
02/15/24
Reliable and user friendly product
Reliable and user friendly product, that really helps me improve my personal finance. If you fail to use it on regular basis, don't give up and try again later. It took me a few tries to get familiar with that.
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GaryG
02/15/24
I have been a budget nerd for 25 years…
I have been a budget nerd for 25 years and have tried many different methods to track our money and build our wealth. We are probably considered a high income household and still felt like we were living paycheck to paycheck (though we recognized we were saving a lot for retirement) and were just cash poor all the time. YNAB’s four rules for a year now has really helped us get control of our finances and after a couple of emergencies and family issues over the past year, we are starting to ...
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YC
YNAB Client of years
02/15/24
Guaranteed money for things I plan
I really appreciate having all the money I need for things when I need them. YNAB makes that easy. If it's in a category and I've done the reconsiliation, I'm guaranteed to have the money set aside. A more sophisticated version of Profit First works well with this without having to have a bookkeeper to reconscile many accounts.
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MJW
02/15/24
YNAB has been so helpful!
This platform has really helped our family get much more clear about where and how we spend our money and also has helped with setting goals and the finances needed to make those goals happen. A great tool!
S
SK
02/14/24
Easy to learn
Easy to learn Money is working for me No more overspending
