YNAB Reviews 

3,094
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

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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

(3,094)

420 reviews in the last 12 months

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Rated 5 out of 5 stars

My best friend told me about using this…

My best friend told me about using this app for years & how helpful it's been for her and her family. I finally committed to using it, and it has really changed me for the better. My financial stress levels are down, and I weirdly enjoy the routine of tracking my finances through the app now. The more time goes by, the better I get at planning for bigger expenses or adjusting my budget when surprises happen. Being able to do this feels good!

March 31, 2026
Rated 5 out of 5 stars

YNAB is very easy to use

YNAB is very easy to use. Connected with the app it is a very powerful tool for budgeting and tracking expenses. Highly recommend this platform for anyone looking to easily budget and track their finances!

March 21, 2026
Rated 3 out of 5 stars

I have trouble with erroneous links…

I have trouble with erroneous links appearing as I navigate the YNAB screen. It is annoying!

March 29, 2026
YNAB logo

Reply from YNAB

Hi John! I'm glad you posted about the erroneous links you're seeing and can understand how that would get in the way of using YNAB. Would you be up for reaching out to our support team so we can try to help? If so, please send us a message through in-app messaging or at help@ynab.com and we'll dig in with you! - Caity @ YNAB

Rated 5 out of 5 stars

Highly recommend to be the master of your finances!

Great app for managing budget and getting ahead on finances! It takes some time to set up and learn the system but once you make that initial commitment - it's easy! We have totally turned around our finances and couldn't have done it without YNAB!

March 30, 2026
Rated 4 out of 5 stars

I really like the app

I really like the app. It takes a little bit of learning on how to do it. I know there are lots of tutorials and videos about it. In the end, I just got help from my daughter has been using it for years. I do think when explored the site has so much information about your finances.

March 22, 2026
Rated 5 out of 5 stars

Helped me through tight times

It has redefined how I have budgeted and how I think about money. Over the last two years, I moved five times and changed careers twice in that period. YNAB kept me sane because it helped me plan ahead with a flexible, adaptable budget that reduced stress by letting me see what I am working with overtime. Yes, I have tried other budget apps and methods.

March 27, 2026
Rated 5 out of 5 stars

Easy to populate data

Easy to populate data, between bank accounts and YNAB tracking. 1 year of accurate tracking is extremely valuable for anyone wanting to know where their money goes.

March 27, 2026
Rated 3 out of 5 stars

I wish there was a reset button for…

I wish there was a reset button for when you go overbudget one month.

March 27, 2026
YNAB logo

Reply from YNAB

Thanks for your review, KB, and sharing that you'd like to see a reset button! Overspending happens, and our team would love to better understand what you're looking for from this feature. We can also see what existing workflows would be a good fit depending on how this is playing out in your own YNAB. If you're up for it, you can get in touch with us anytime at help@ynab.com or through in-app messaging! - Caity @ YNAB

Rated 5 out of 5 stars

YNAB has COMPLETELY changed my…

YNAB has COMPLETELY changed my finances! I do not earn a lot but by using YNAB and sticking to it, I feel like I am rich. I can't explain how magic this app is. Commit to it and you won't regret it.

March 22, 2026
Rated 4 out of 5 stars

Consider tutorials and how-to's

My lifeline as far as managing finances and saving money but just a suggestion...

It's not easy to figure out at the start. You end up having to restart a few times because it gets so confusing there's no way to go about it. I recommend it to people and they say the same which is why they end up abandoning it.

You should have more walk thru tutorials on how to use it to retain more users

March 23, 2026
YNAB logo

Reply from YNAB

Hi Carolyn! You're so right: there's a lot to learn when you're getting started with YNAB. We're glad you stuck with it and that you're now feeling the YNAB love! It's helpful to know that you'd like to see more walk-throughs. In addition to our content on socials, our Support team can put together a short custom video if there's something you're struggling with. Reach out any time! -Blair@YNAB

Rated 5 out of 5 stars

Before YNAB I was in overwhelming…

Before YNAB I was in overwhelming credit card debt, and I didn't have a clue how much money I was spending month-to-month or how much I had after all the bills were paid (none!). Now, I know exactly where my money is going, I've been able to stop money from leaking out of my accounts and have my credit card charges only capping out what I can pay in full at the end of the month. I feel more confident in my finances, and once my credit cards are paid off, I'll be looking forward to getting a month ahead of my expenses. This app is the real deal and works as long as you work with it consistently.

March 24, 2026
Rated 5 out of 5 stars

However complex is your financial situation and habits, YNAB works

It’s an opinionated and slightly clunky app. I was annoyed in the beginning. But boy I’m glad I gave it a longer look. However complex is your financial situation and habits, YNAB works. It’s genius.

Also, it’s during using YNAB that I became financially independent and quit my job to travel the world. Coincidence?

March 23, 2026

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