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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 71-80 out of 1501

B

Brian

04/27/24

5 out of 5

Great way to budget

Date of experience: April 27, 2024

HP

Henry Padilla

04/27/24

5 out of 5

A much better way to track your spending.

Keeping track of the money you actually HAVE is a much better way to control your finances than to plan for money you may never earn. They are very receptive to suggestions and customer service is exemplary.

HP

Henry Padilla

04/27/24

5 out of 5

A much better way to track your spending.

Keeping track of the money you actually HAVE is a much better way to control your finances than to plan for money you may never earn. They are very receptive to suggestions and customer service is exemplary.

B

Brian

04/27/24

5 out of 5

Great way to budget

Date of experience: April 27, 2024

C

Claire

04/26/24

5 out of 5

I love this app

I love this app, it has helped me wrap my mind around budgeting in a way that many other apps failed to do

KD

Kim Destromp

04/26/24

5 out of 5

YNAB is a game changer

YNAB has been a game changer for my personal finance. It is the ONLY budgeting app/program/process that has worked and kept me focused on my goals. Could not recommend more. The amount I have been able to save using the YNAB process has more than enough paid for the app annual fee. And the fee is accounted for on my spending plan.

AH

Anne H

04/26/24

5 out of 5

Amazing app

I absolutely love YNAB. I have a complete understanding of my money and it helps me have good spending habits practically without realizing it. I love using it, and I’ve been using it for over a year now.

AH

Anne H

04/26/24

5 out of 5

Amazing app

I absolutely love YNAB. I have a complete understanding of my money and it helps me have good spending habits practically without realizing it. I love using it, and I’ve been using it for over a year now.

KD

Kim Destromp

04/26/24

5 out of 5

YNAB is a game changer

YNAB has been a game changer for my personal finance. It is the ONLY budgeting app/program/process that has worked and kept me focused on my goals. Could not recommend more. The amount I have been able to save using the YNAB process has more than enough paid for the app annual fee. And the fee is accounted for on my spending plan.

C

Claire

04/26/24

5 out of 5

I love this app

I love this app, it has helped me wrap my mind around budgeting in a way that many other apps failed to do