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YNAB

4.760 reviews
ynab.comMember since Feb 2026

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Completely changed our approach to…

Completely changed our approach to understanding our personal finances. For good.

Fedor
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Does not automatically pull records

Does not automatically pull records. You will have to manually input everything. No better than a spreadsheet.

Ryan
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It’s easy to use,

It’s easy to use,

Sharon
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YNAB; the tool that helped us to freedom

My wife and I have always wanted to be financially responsible. YNAB was the answered prayer for us. Since using it we have achieved a lifestyle we never thought possible with a very modest lower middle class income!

Hayden
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Great experience for the most part

Great experience for the most part. The credit card integration is still confusing at best. It would also be really cool to see a feature where you could convert dollars to “time cost.” Allowing people to see how many hours of their life at work have to be devoted to each category.

Eric
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From Reactive to Prepared

We’ve used YNAB almost daily for the last year, and it’s been a game changer. The biggest impact has been planning ahead for semi-annual expenses like birthdays, holidays, and subscriptions. Instead of being caught off guard, we save gradually and feel prepared. It’s reduced our stress and helped us be much more intentional with our money.

Emily
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easy to use!

easy to use!

Maria
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Love YNAB

Been using YNAB for nearly two years now and I genuinely love it. Seeing where everything is going and easily adjusting budgets is so so helpful for me.

Rachel Borashko
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Experience is good so far

Experience is good so far. What I am not liking is that there is no integration with Indian banks but still charge same as customers who gets integration features. A local pricing would be nice.

Jasir
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very difficult to customize …

very difficult to customize for my needs - basically using it as a digital checkbook register to track spending at this point

MommaBear
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Changed my Budgeting for the better

YNAB has it's own way of handling budgeting that at first was a bit tricky for me to move over too but now it has been amazing. I am always putting some of my money towards specific goals without have to constanly move money around a bunch of seperate savings accounts.

Ren Delaney
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Worth every dollar

Just here to say I've been using YNAB for a while and it's great. Beautiful, simple, helpful, thoughtful. You have to pay to get the value out of it but it's worth every dollar.

Thomas
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We really appreciate YNAB

We really appreciate YNAB. We have been budgeting for years, but YNAB gives us a level of specificity and detail that was missing before. We also like that both of us have access to it. It took quite a while for us to feel comfortable with it, but we are aware that there are resources to help with that.

there
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Very easy to use and set up

Very easy to use and set up, with great help topics and videos. User friendly and definitely helps create and track your budget spending. Very nice integration to pull in spending electronically.

Skip
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YNAB = Less stress

It feels great to really know where my finances are and where they go each month. It has really helped reduce my stress.

YS
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This budgeting app is fantastic

This budgeting app is fantastic - unbelievably simple to use after getting over the initial learning curve, and helpful on a daily basis for sticking to a plan and knowing where you stand. The sync feature with all accounts is also useful.

Joe
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Paid for itself very quickly.

Paid for itself very quickly.

Andrew
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YNAB has been so helpful

YNAB has been a great resource to help me with my finances and budget in an easy way. It’s been the best money organizational app that I have ever used.

Shaunti
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For me - the budgeting app I've been looking for

I am using Ynab a little over a year now and I have to say it has transformed the way I look, understand and manage my finances by now. It took a bit of time to dial in but once I was there it was really insightful and helped me tremendously to get clarity on my spending and to become more intentional with it. I would highly recommend it to anybody who wants to get serious about budgeting and intentional spending.It is one of the few apps I literally use daily.

Denny S. Volkardt
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YNAB support is incredible

YNAB support is incredible. I am someone who struggles when a system does not work exactly the way I need it to and for the first few weeks I had a lot (I mean A LOT) of questions. Support was quick and efficient and got me solid answers especially when talk mint ti a human and not just a chatbot. The app and base capabilities are also phenomenal. It may take a cycle or two of budgeting, funding, and tracking to get comfortable but it is so eye opening and freeing!! Love this app.

Andy
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