So here’s my honest answer to the, “Is YNAB worth the money?” question. In our latest tests, we awarded three Best Buys, while one of the packages was very close to being awarded a Don’t Buy. Here is an honest review of the budgeting software "You Need a Budget" or YNAB! I think YNAB is a great app and deserves appreciation and acknowledgement for what they have done. You Need a Budget (YNAB) is a software service aimed at people who need to get their finances in order and keep them that way. A summary at the top of the app displays rollovers from the previous month, the amount funded for the current month and the amount used month to date. YNAB saves us far more money than it costs us. A cheaper alternative might be GoodBudget app. Our Verdict. Getty Images. It uses the zero-based budgeting method, which means you assign every dollar of income to a specific budgeting category. It’s an online arrangement that involves a relatively straightforward series of setup steps plus features designed to sharpen up your budgeting skills. I always like to start with the downsides because it’s the most honest way to write a solid review. You Need a Budget, or YNAB, is a popular personal finance app. Although I’m a huge fan of the software, it has flaws that you should know about. Expert review. Their website states, “On average, new budgeters save $600 in their first two months with YNAB. Learn more about this company and what people are saying about it. Oh, and more than $6,000 after one year.” posted on Dec. 17, 2019 at 3:00 pm. There are new core features that allow you […] YNAB, or You Need A Budget, is a great tool to help you get your finances under control. Our 5 user reviews can help you decide. Is You Need a Budget right for you? Cons – The Stuff YNAB Isn’t Great At. I live in the UK and the new YNAB’s automatic import tool does not work with UK banks. You Need a Budget (YNAB) You Need a Budget (YNAB) is an excellent budgeting tool for fans of the zero-based budgeting method.Anchored by four simple rules, it’s easy to use, endlessly capable, and available in a variety of mobile formats for on-the-go users. You Need a Budget (YNAB) is a software service aimed at people who need to get their finances in order and keep them that way. However, $84 per year is too much and I’m really struggling to convince myself to pay a premium price. You Need A Budget You Need A Budget 4: A clear interface and a built-in financial planning philosophy make it easy to get even the most unruly finances in order We tested nine of the leading personal finance software packages available to UK users - You Need A Budget, Moneydance, AceMoney, Buxfer, Banktivity, BankTree, Home Accountz, GnuCash and HomeBank. YNAB Review. Using the mobile apps, you can add transactions, view all accounts and adjust your budget. December 17, 2019 No comment. 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