life altering
pretty dang simple
YNAB (ynab.com) has a 4.6 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Electronics & Technology and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
pretty dang simple
Great software, helps with budgeting, a steep and intuitive learning curve but worth it. Finally saving money after many years.
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
YNAB has been super helpful for my budget. I do wish they would work on tracking for some products.
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
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!
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.
Good but not without system glitches. All In all a good product
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
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.
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
Easy to use. Has helped me be aware of where I'm wasting money
Thanks for the feedback! If you'd like to share more details, we'd love to hear 'em! Reach us at [email protected] to chat! 😊 -Renae @ YNAB
I love being able to see my budget at a glance. New features pushed out keeping our needs top of mind. I have used competitors apps and this by far the easiest to navigate.
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.
Very easy to use, helps me organise my finances and keep an eye over them, allowing me to stay on top of things. Highly recommended!
I have used this budgeting app for 1 yr and paid off my credit cards and stayed out of debt since. Just renewed this app for another year. Love it.
That's fantastic, Ann! I can't wait to hear what another year brings. ~ Lauren @ YNAB
The easy and practical GUI. The dashboard so so intuitive. They also respond fast.
Fundamentally changed how I manage finances, and i've never felt more comfortable about it
YNAB has been a literal life saver. I’ve never been more in control of my money. I actually feel financially independent and can put every single dollar to use. Everything about this app has accelerated my life tenfold and will continue to help me for the rest of my life. If you need a budget this is the only app that should be available for budgeting.
Once you get it, you will never go back. Saved a bunch of money and can track all my expenses. Used some video guides to set it up and some tips. And have been using it for almost 2 years. Thank you for helping me budget YNAB!
For the for time in my life, I'm not flying by the seat of my pants on my finances. I now have the funds ready for expenses that always used to sneak up on me. I no longer am scrambling for the funds to pay my bills and I am putting less on my credit cards, and can pay them off quicker. I still have work to do, but I'm getting there.
Fantastic review, SALAWDE! We're thrilled to hear that you've gotten so good at money—I bet it feels amazing to look at those upcoming expenses and know the funds are ready. We're honored that YNAB has been with you for your journey. 😊 -Blair@YNAB
The cost of the subscription is worth what you get. If you're on the fence about whether or not to subscribe, do it. I've tried various budgeting software apps, paper methods, etc. This is the best by far that I've found. You can make an easy to follow budget and set up temporary goals if you're planning for a large expense. You can securely link your bank accounts that you want to track as well! This app has kept me on my budget and helped me to start putting money back into my savings account on a regular basis. The app and the website are both awesome and easy to use. If you struggle with keeping a budget, this app and website is for you!
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