Customer review · Priya S · Some experience · Nov 2, 2026
PositiveTwo years in, my husband and I finally know where the money goes. Worth the $109.
YNAB Reviews
Budgeting app
Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.
How the signal works
The signal score
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
What people mention
Often liked
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (886)
Add your reviewShowing 5 reviews mentioning reliable Show all
Reddit · r/ynab · May 9, 2026
PositiveSummary of a Reddit comment
They used YNAB from its early desktop days until a few years ago, left only to self-host their finances, and consider the software and its cost completely worth it.
Reddit · r/budget · Apr 14, 2025
PositiveSummary of a Reddit comment
They have used YNAB for ten years; there is a learning curve, but after watching a few of the webinars everything made sense, and categories can be freely edited or stripped of emojis.
Reddit · r/ynab · Nov 8, 2026
PositiveSummary of a Reddit comment
Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.
Reddit · r/ynab · Oct 25, 2026
PositiveSummary of a Reddit comment
Says YNAB's bank sync works fine across their credit union and bank accounts and they'd keep using it even at the higher price.
Common questions about YNAB
What do customers say about YNAB?
Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned. The main complaint is price increases, and quite a few moved to Actual Budget or spreadsheets. Others cite manual entry, a learning curve, bank sync gaps, and interface changes.
Is YNAB worth it?
Of the 886 reviews with a clear verdict, 55% are positive, 18% mixed and 27% negative. The praise mentioned most is easy to use. The most common complaint is poor support.
What do people like about YNAB?
The praise reviewers mention most: easy to use (9 reviews), helpful support (7 reviews) and reliable (5 reviews). For example: Used YNAB to get out of credit card debt and says the built-in interest category would have made that simpler.
What are the most common complaints about YNAB?
The complaints reviewers mention most: poor support (9 reviews) and buggy app (6 reviews). For example: Says users with multiple years of entries still have website slowdowns and crashes, and that no one at YNAB seems to care enough to fix it.
What does the signal score of 81 mean?
It's how well reviewed YNAB is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
What are the specs of YNAB?
Category: Budgeting app. Type: Budgeting app. Fees: $109 a year (annual plan).
Where do these YNAB reviews come from?
885 are quotes from Reddit, each linked to the original. 1 was written by customers here. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.