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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 61-70 out of 1501

P

Paul

05/10/24

5 out of 5

YNAB is the best - no question

Awesome functionality - links all your accounts in one place & makes of deciding what happens to your money easy. Impossible to do without!

DD

Dale Dutton

05/10/24

5 out of 5

YNAB is the best complete budgeting application

I have been budgeting for many years in an application that wasn't really built for budgeting. Things changed with that software, so I went looking for a real budgeting application. I did a google search and tested the top 5 budgeting apps. I didn't really find what i was looking for. Shared with a friend that I was looking and they shared that they were using YNAB. So I went home and downloaded YNAB. First let me tell you how impressed I was that YNAB gives you free access for more than a ...

Read more

P

Paul

05/10/24

5 out of 5

YNAB is the best - no question

Awesome functionality - links all your accounts in one place & makes of deciding what happens to your money easy. Impossible to do without!

DD

Dale Dutton

05/10/24

5 out of 5

YNAB is the best complete budgeting application

I have been budgeting for many years in an application that wasn't really built for budgeting. Things changed with that software, so I went looking for a real budgeting application. I did a google search and tested the top 5 budgeting apps. I didn't really find what i was looking for. Shared with a friend that I was looking and they shared that they were using YNAB. So I went home and downloaded YNAB. First let me tell you how impressed I was that YNAB gives you free access for more than a ...

Read more

S

Shawn

05/09/24

5 out of 5

Easy to use

Easy to use. Gives me greater control over my busget.

H

Heather

05/09/24

5 out of 5

I LOVE YNAB!

I LOVE YNAB! I honestly don't feel like I could live without it at this point. I've been using the tool for about a year. It's transformed the way I manage my finances and helps me to clearly communicate and make decisions with my partner. I would say that at this point I have most of my categories settled for now (87!), but over time I know there will be changes. When a system/setup no longer serves you, you know it's time to make a change. The YNAB tool is flexible and easily allows me ...

Read more

S

Shawn

05/09/24

5 out of 5

Easy to use

Easy to use. Gives me greater control over my busget.

H

Heather

05/09/24

5 out of 5

I LOVE YNAB!

I LOVE YNAB! I honestly don't feel like I could live without it at this point. I've been using the tool for about a year. It's transformed the way I manage my finances and helps me to clearly communicate and make decisions with my partner. I would say that at this point I have most of my categories settled for now (87!), but over time I know there will be changes. When a system/setup no longer serves you, you know it's time to make a change. The YNAB tool is flexible and easily allows me ...

Read more

K

KYoung

05/08/24

5 out of 5

Financially healed (mentally at least)!

YNAB has fixed my relationship with money. For the first time in my life, I have control over my finances and couldn’t be more grateful.

K

KYoung

05/08/24

5 out of 5

Financially healed (mentally at least)!

YNAB has fixed my relationship with money. For the first time in my life, I have control over my finances and couldn’t be more grateful.