Here is an honest review of the budgeting software "You Need a Budget" or YNAB! Their website states, “On average, new budgeters save $600 in their first two months with YNAB. 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. December 17, 2019 No comment. 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. Although I’m a huge fan of the software, it has flaws that you should know about. Using the mobile apps, you can add transactions, view all accounts and adjust your budget. I always like to start with the downsides because it’s the most honest way to write a solid review. You Need a Budget (YNAB) review. Our Verdict. ; YNAB costs $83.99 a year to use, but I tried it out on a one-month free trial. In our latest tests, we awarded three Best Buys, while one of the packages was very close to being awarded a Don’t Buy. It uses the zero-based budgeting method, which means you assign every dollar of income to a specific budgeting category. You Need a Budget (YNAB) is a very competent personal finance package that is reasonably quick and easy to use with a raft of features that … So here’s my honest answer to the, “Is YNAB worth the money?” question. Our 5 user reviews can help you decide. 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. Learn more about this company and what people are saying about it. 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 Review. Oh, and more than $6,000 after one year.” Is You Need a Budget right for you? A cheaper alternative might be GoodBudget app. Expert review. Getty Images. However, $84 per year is too much and I’m really struggling to convince myself to pay a premium price. For us, the short answer is absolutely yes, it’s worth every penny! YNAB saves us far more money than it costs us. YNAB, or You Need A Budget, is a great tool to help you get your finances under control. YNAB offers mobile apps for both Android and Apple mobile devices that continuously sync across all devices. It’s an online arrangement that involves a relatively straightforward series of setup steps plus features designed to sharpen up your budgeting skills. 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. 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