Features

  • App Price
    $60
  • Free
  • Budgeting Tools
  • Credit Reporting
  • Online Bill Pay
  • Personal Investing
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0 votes

So completely pissed off that I bought this program - I did have a look at it first but I assumed you would have the ability to change the periods like you can in most software, let alone the fact that it is HIGHLY confusing. This is coming from someone who knows their way around accounting spreadsheets and budgeting concepts. I'm very angry that I wasted this money - the program is useless to me and my budgeting system - how can one possibly budget without planning ahead? I hope ... that someone reads this review and it saves them $80AU - What a Joke!! More Less


0 votes

You Need a Budget manages to take the hassle out of creating and sticking with a budget! The app and computer version are both so easy to use. I've only been using the YNAB system for a month now but I've already seen an improvement with my savings! When you see everything right in front of you, you feel so much more in control of your money. My weekly pay check has been going further and I think it's because of YNAB!


0 votes

It is true that You Need a Budget is not for everyone simply because it is a manual app. But the app itself is a great addition to the web version of the software. It does exactly what it is supposed to do- allow you to enter transactions on the go. The YNAB method has really changed my relationship with money. I am proud to say that since starting this method I have been able to save quite a bit of money.


0 votes

I have been addicted to using YNAB for all my financial budgeting for quite a while now. But I can't get over the fact that the app is not the same as the web feature. I love the computer feature so much, and I am so disappointed when the app does not sync with my latest information that's put into the web version. YNAB is such a great system for budgeting and such an amazing method to help people who are budget-challenged, but the app needs to more closely match ... the web version for better and easier use. More Less


0 votes

My sister recommended YNAB when I told her I was going to start saving for a down payment on a house. I was so apprehensive to get an app that had you manually enter the transactions and money you spent. But, then I realized, the other apps I used in the past didn't work and they were all automatic. I figured it was because I wasn't actually managing my money, I was just letting the app do all the work. Inputting all of the information into this program is so ... easy and quick to do, it really is not a pain at all (like I thought!) More Less


0 votes

I love the web version of YNAB! The app is the convenient way to go, but my husband and I generally like to sit down at the computer and go over/enter our finances together. It has made us both aware of what we're spending and we no longer have financial shortcomings on pay day. YNAB is a great asset to any family because it makes you responsible for your finances. Both the app and the web version are also well designed and easy to use.


0 votes

My ONLY complaint with this is that the app needs to be more like the program I use on my computer. That system is flawless.. I take care of everything on there and it has honestly changed my life. The YNAB method of budgeting is genius and will work for anyone. The app is more of a spending tracker on the go. It works for it's initial purpose, but you can't do much more than that. Hopefully the next update includes something more for the app. Then, it'll be five ... stars without a doubt. More Less


0 votes

The You Need a Budget application is so incomplete without the actual software on the computer. There is so much you can't do on the app that you HAVE to do on the computer version. In my opinion, what is the point of having an app, then? I like the idea of being mobile and recording my spending as I go, but the app is just way too limited. I have to go back to the online version just to edit my budget and so much more. If they made ... the app as diverse as the web version, it would be great. Until then, it's just too much work to go back and forth. More Less


0 votes

My wife and I used to struggle with our families finances, and it has hurt us tremendously. She would buy sports equipment for our son, I wouldn't know and I would go out and buy something for myself. We'd end up spending way too much for the week. But the YNAB software has given us complete transparency and now we are on the same page. Now we know when we can and cannot spend money. We know when we need to wait until next week. The app is just a ... great addition to the web software. Thank you, YNAB, for helping my family with our finances. More Less


0 votes

I used to use a very popular budgeting app that would automatically sync up with all my financial accounts on a daily basis. I had it for quite some time until I realized that I wasn't really paying attention to my finances. Everything was done for me, so I honestly was not aware of my financial situation. I now use YNAB to manually put in everything so I can be more hands on. It is more work than the automatic apps, but it really forces you to pay attention.


0 votes

I'm not really a fan of manually entering all of the transactions myself, which You Need a Budget has you do. The previous budgeting software I used synced automatically with my bank accounts and credit cards. I just find this to be a lot more convenient if you're a busy person on the go. The computer version is also mediocre. It is a lot more functional than the app, but it also needs to be updated.


0 votes

I am not one who write reviews, but You Need a Budget is by far the best budgeting software on the market right now! I use the web version more often, and it has helped me so much. I used to live paycheck to paycheck and I finally got sick of never having money and watching my credit card debt grow. I've had this software for a month and I am already seeing improvements on my relationship with my money. I am no longer living paycheck to paycheck, and I ... love it! More Less


0 votes

This app has helped my relationship tremendously. My boyfriend and I share one bank account and before, we would always have issues with both of us spending money, when only one of use should have been. YNAB, both the app and the web version, has allowed us to set individual budgets. My boyfriend was against it at first because he thought he wouldn't be able to spend anything, but it has actually given us more wiggle room. Now we know that we money to spend (and how much), and it ... has prevented any issues financially. It's a great system. More Less


0 votes

YNAB is a great app that accompanies an even better web version. The site offers some training that has some valuable information for your finances. It is the best budgeting software I have ever used, and I've used many. The fact that I have to physically go in and record what I spent makes me accountable for what I'm spending, which I wasn't before. I love this app AND the web version and I'd highly recommend them both.


0 votes

The app is almost useless unless you only need it to enter purchases on the go. I guess it is useful if that's what you are looking for, but I would really like an app that functions more similarly to the web version. If they integrated the actual YNAB software into the app, it would be awesome. But at the moment you have to go back and forth between the two. I'm a very big fan of the YNAB software, so it'd be great if the next update made the ... app more functional. More Less


0 votes

Apparently, I didn't do my homework before paying for YNAB. I paid the full $60 and am so unhappy with my purchase! It does not sync automatically with your financial accounts/credit cards like most other budgeting apps. I have spent sooo much time putting in all of my transactions and payments. I am so disappointed that I spent all this money and all this time on a program that makes you do all the work!


0 votes

Paying for the desktop version of You Need a Budget was the best $60 I have ever spent. I have paid so much for other budgeting/financial programs and software, and nothing comes close to this one. The app is just icing on the cake! You are able to add transactions on the go, wherever you are. It syncs up with the desktop version, which has more features than the actual app. I'm alright with this, although I know people who have had problems. I love it and I'd recommend it.


0 votes

I have stopped using my regular laptop almost altogether now, and therefore rely solely on the YNAB mobile version. If you've used both you know the app only has about half the functionality of the actual laptop version. This is extremely inconvenient for me because I used to love using the YNAB system for my budgeting needs. I've had to stop using it because not much can be done just on the laptop. Change it, and it'll be the best financial app ever made.


0 votes

I downloaded YNAB after using another financial budgeting software for years. I figured it was time for a change. Learning YNAB took a little bit of time because I was so used to the other software, but once I took the time to learn it, it has been a success. It would be great if they added a feature that would budget your income as you get it- it would be more convenient. I have contacted the support team and they have been nothing but helpful to me. I'd highly ... recommend this software. If they make that one change, it would definitely be a five star software. More Less


0 votes

You Need A Budget is a must have for anyone who manages their own money. You can't really JUST use the app, because I'm pretty sure the app and the web version are meant to go with each other. It would be a little hard to rely solely on the app for these purposes. But I only wish they would allow you to set specific budget dates. Right now they have it automatically set for the first and the last of the month. If you get paid on a different ... date, it makes it a little difficult for you and you have to figure it out yourself. More Less


0 votes

You Need a Budget is the best on-the-go financial management app I have ever experienced. My main focus is to have one that is easily accessible on my phone so once I make a purchase, I can input it. This app makes that super easy and quick to do. It surpasses other apps in the fact that I never have to wait to input anything. It is so well designed that there are never any lags or glitches. Doing it on the go gives you a better idea of what ... you're spending. It's much better than auto-sync apps. More Less


0 votes

I really like the fact that I can sync this budget system with my spouse. He and I have had issues in the past with apps that don't sync on more than one device, but YNAB does. It's a great feature! It keeps us in sync (literally) with each other and each others spending habits. Since getting this app, we haven't had any disputes over budgets or money, because we are both fully aware of what's going on. The YNAP system is great!


0 votes

I have tried so many different methods of budgeting in my life time. I have read books written by professionals, watched news programs on it, and done so much research. The You Need a Budget system is the only one that I have been able to stick with. I'm not quite sure why, but I've been with this program much longer than any other. I love that there is an app to the software. It syncs up perfectly and works so well. This is one of the few financial/budgeting system ... that I would actually recommend to people. More Less


0 votes

You Need a Budget has greatly transformed me for life! I used to spend spend spend and use an automatic-sync app for my budgeting. But this app makes you be accountable for each dollar. The 'give each dollar a job' philosophy has changed me forever! I now look at each paycheck like it has a purpose. I no longer overspend or have issues when it comes to paying bills each month. I love this software and I recommend it to everyone!


0 votes

The desktop version of YNAB is fantastic! I love the app too, but there is one thing missing that really bothers me. On the desktop, it shows your unbudgeted total, and it is missing on the app. I wish they would include it in the next update because that would take the app to the next level! I also think that consumers would be happier if there was more consistency with the app and the desktop version. But I love YNAB and will never quit using it !

0 votes

YNAB has such a cult following it feels more like an AA program than a money management app. Instead of 12 steps it has four rules and a 9-day program, but it does have the feel of a quasi-religious financial rehab program.

I don't like how it doesn't connect directly to your bank, although YNAB sell it as a benefit because it automatic awareness "kill awareness." And I don't like the $60 price tag and that you have to have the desktop software for the mobile app to be of ... any use.

Apart from that it's awesome. Great way to learn how to budget.
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