YNAB Reviews 

3,093
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 429 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the mobile app for making daily money management intuitive and genuinely helping households achieve long-term financial security and peace of mind. Users truly love how flexible the budgeting categories are and appreciate the wealth of helpful educational videos available to guide them along the way. Some reviewers were not happy with persistent bank account syncing problems and the ongoing difficulties encountered when handling credit card payments within the software. Others also mentioned that the subscription pricing feels a bit high for what is offered, alongside a noticeably steep learning curve when starting out.

What people talk about most

User experience

Clients share positive opinions on user experience, highlighting the flexible budget tracking and helpful... See more

Application

Customers consistently note positive experiences with app, highlighting its helpful tracking abilities and... See more

Value for money

People report positive experiences with value for money, noting that it is well worth the annual fee and pays... See more

Payment

Customers had ambiguous experiences with payment, reflecting a mix of helpful debt management and frustrating... See more

Price

Reviewers highlight ambiguous aspects of price, as opinions on the cost are deeply divided. Many consumers... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I've been using YNAB for over a year now and it's changed my life. There was definitely a learning curve and took a few months to 'get into' zero budget planning and using the App to check my account... See more

Rated 5 out of 5 stars

Easy to use and very flexible. Tracks short- and long-term commitments, with a “ready to assign” category showing dollars left to spend elsewhere (reduce debt, add to retirement funds, have more fun,... See more

Rated 5 out of 5 stars

Worth The Homework! Don't get me wrong, the way YNAB is built requires some research and maintenance to make it work well. However, once you do it, it makes understanding your finances and setting... See more

Rated 5 out of 5 stars

I cannot recommend YNAB highly enough. This app and its methodology have completely changed my financial life. There is a learning curve, but the platform is really incredible. The educational c... See more

Company replied


Company details

  1. Software company

About YNAB

Written by the company

“YNAB isn’t just a tool for money management. It’s a tool for self-actualization. Who do you want to be, and how can the money you earn help you get there?” Adrienne So, Senior Associate Reviews Editor for WIRED

Our award-winning app is based on a simple but powerful practice that clarifies priorities and creates a new state of awareness around spending.

YNAB will teach you how to approach your money with intention—whether you're setting savings goals, creating a debt paydown plan, or reflecting on your spending habits—YNAB will support you every step of the way with a wealth of free resources including workshops, video courses, live help, and an enthusiastic community.

Since 2004, YNAB has taught millions of people that money doesn’t always have to feel like a problem—it’s actually full of promise and possibility! People find YNAB because they think they want to save more, spend less, or pay down debt—they stay because they’ve started achieving their life’s goals, stopped fighting with their partner, and have never slept better.

Your money is your life; spend it well with YNAB!

Try YNAB Free for 34 Days

Do money differently.

Written by the company

Money can’t buy happiness… but the way you spend it can.
YNAB is more than an app—it’s a simple but life-changing practice that has inspired millions to spend, save, and live joyfully.

Take YNAB for a Test Drive

34 Days to Less Money Stress

Get started right away with just your email—no commitment (or credit card) required. You’ll have 34 days to try YNAB, with all its powerful features.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

3k reviews

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4.6

All reviews

(3,093)

420 reviews in the last 12 months

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Rated 5 out of 5 stars

Super budgeting and tracking tool

YNAB has been a great platform for me. Although there is a little learning curve, there are many great videos available to explain things. Whether you're looking to reduce your debt or just avoid getting into debt, YNAB will help you keep track of things.

12 June 2026
Rated 5 out of 5 stars

YNAB Keeps Me On Track!

YNAB works! If you do not spend money you do not have it is much easier to stay afloat. I am actually finding, after several months using YNAB, that I am able to save enough money to finish some long overdue home maintenance and improvement projects. Thank you YNAB!!

7 June 2026
Rated 1 out of 5 stars

Sad to see the direction of the company

I am really sad to see all of the changes recently. It seems like YNAB is putting profits first and making the app worse with each release. I really don't like the direction the company is headed. It's really sad to see. They haven't posted a helpful video on social media in weeks. These videos are what makes this app work for the consumer. I'm sure it will be replaced with an AI chat bot any minute now. 🙄

6 June 2026
YNAB logo

Reply from YNAB

I appreciate you posting, Will! All changes we make to the app are for the goal of helping YNABers clearly plan their spending. We've had a chatbot for a long time now that answers simple questions, but we also have a fantastic team that would love to help! Just write in via the app and say you want to speak with a human. ~ Lauren @ YNAB

Rated 5 out of 5 stars

Great tool for money success

I really enjoy the support bot. It has been very helpful for me when I get lost or confused, which happens quite often. One thing I wish YNAB had is the ability to pay bills in the app. I know that it is a budgeting tool but it sure would be convenient to do everything in one place. I tried YNAB many years ago and was unable to stick with it because of my lack of discipline. In the past year I have been able to take my plan and make it work for me. So I can be discipline. Reading the blogs watching the videos has given me the tools to be successful with my money and my life. I'v been able to not stress about if I'm going to have enough money to cover my expenses at the end of each month to being almost two months ahead in just a years time. It's so nice to be able to enjoy life without worry. YNAB has given me the tools and now I just apply them for success. Thank you YNAB

1 June 2026
Rated 5 out of 5 stars

Life changing

Life changing! This software made it possible for me to be on top of my personal finances, after 3 decades of excel spreadsheets, and countless ways that I tried to get on top of it without success. This is a must for everyone!

30 May 2026
Rated 5 out of 5 stars

YNAB has been super helpful for my…

YNAB has been super helpful for my budget. I do wish they would work on tracking for some products.

4 August 2025
YNAB logo

Reply from YNAB

I'm glad you've found YNAB helpful, Alex! When you say "tracking for some products," do you mean you want to automatically track more things? If you reach out via the app or help @ynab.com, we'll look at what we can do! ~ Lauren @ YNAB

Rated 5 out of 5 stars

Realizing where my money is going

For a long time I would be that paycheck to paycheck person, only because I would see funds on my account then just spend away on things here and there. I get paid decently but I was surely living above my means. I recently got into ynab as I wanted to manage money with my wife. Being YNAB "Broke" has saved me now in 3 occasions. I like to keep a small buffer from my paycheck and it has paid off. Those unforseen repairs or setbacks due show up and having money just for that keeps me at ease we'll beyond my next paycheck. I'm not fully a month ahead but I'm living more comfortably checking my ynab and seeing my actual designated free money opposed to my bank account.

29 May 2026
Rated 4 out of 5 stars

Good but not without system glitches

Good but not without system glitches. All In all a good product

28 May 2026
YNAB logo

Reply from YNAB

Thanks for posting, Beb! Would you reach out via the app or help @ynab.com about any glitch you're experiencing? We'd love to dig in. ~ Lauren @ YNAB

Rated 5 out of 5 stars

Completely transformed my family's financial life

I cannot recommend YNAB highly enough.

This app and its methodology have completely changed my financial life. There is a learning curve, but the platform is really incredible. The educational content they provide is world-class and shifts how you look at money entirely.

After mint shut down, its given my wife and I the clarity and control over our budget that we desperately needed. We should have moved sooner.

12 March 2026
YNAB logo

Reply from YNAB

Thanks for sharing, Jay! It's always awesome to hear about transformations like this. Please reach out to us anytime with wins or questions! ~ Lauren @ YNAB

Rated 3 out of 5 stars
YNAB logo

Reply from YNAB

Thanks for the feedback! If you'd like to share more details, we'd love to hear 'em! Reach us at help@ynab.com to chat! 😊 -Renae @ YNAB

Rated 5 out of 5 stars

A game changer for finances

I've been using this app for over a year to manage my finances and has been a game changer. Really means I can see where my money goes and how this has changed over time. Gives me control when the prices are going up and means I know were I have extra. Would highly recommend the app as a way to save and give you security knowing that you have things covered.

27 March 2026

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