YNAB Reviews

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About YNAB

YNAB is found online at YouNeedABudget.com and describes themselves as a new way for people to “gain total control” over the money spending, allowing them to cut debt and increase savings. 

How Does It Work?

YNAB actually has a very simple premise: they provide their users with “The Rules” for financial security coupled with some of the best budgeting software currently available on the market.

Their Rules are broken into individual categories, like “Give Every Dollar a Job,” which means knowing exactly what you have each month spend on activities like eating out so that you won’t accidentally spend money meant for bills, and “Embracing Your True Expenses,” which helps people break down large, less frequent expenses like holidays into monthly savings goals. 

Other Rules include “Rolling with the Punches,” which teaches people how to readjust their expenses when unexpected spending crops up, as well as “Aging Your Money,” which helps people work toward spending money they earned more than 30 days ago. The ultimate mission is to help people stop living paycheck-to-paycheck and start working toward the future. 

In addition to their rules, the YNAB software connects to thousands of banks and credit cards so you don’t need to spend a lot of time on data entry, and it’s able to sync all of your data in real time. If all of these things aren’t enough, they also offer resources like online classes, self-directed help guides, blogs, podcasts, and a YouTube channel.

Cost/Price Plans

This company offers each new customer a 34 day free trial in which to try their services for themselves to see how it works and how it can help. Once this trial ends, you have the opportunity of signing up at this time for either a monthly subscription, priced at $5.00 per month, or a yearly subscription priced at $50.00 per year. The website says that these fees are worthwhile, as the average user saves around $200 the first month they join.     

Refund Policy

This company actually does not provide any information about refunds or a Refund Policy. This is likely because they do not offer refunds, since they provide their customers with the option for a 34 day free trial in which to try their services for a full month, and once you decide to move to a paid subscription to continue your services, you have the option of choosing a month-to-month pay plan. 

Since customers have the opportunity for full familiarity with this service before making a financial commitment, as well as the chance to subscribe on a month to month basis with the option to cancel whenever they choose, the company likely feels that there isn’t really a basis for refund requests.      

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by submitting them directly to their website through the blue question mark icon at the bottom right hand corner of their page.


Customers looking for reviews online may find mixed reviews for this product. Likely this is because earlier versions of YNAB didn’t automatically connect with banks and credit card companies, meaning that customers had to do a lot more manual data entry. 

Since YNAB has updated their software and partnerships, however, the reviews are significantly more positive, and many different technology and financial websites and blogs have noted that this company provides excellent financial tools for a very small monthly fee, making it a worthwhile resource for people who are struggling with their personal finance goals.  

Competitors and Alternatives?

There are actually many different mobile applications and websites which attempt to help users with their financial budgeting and their financial goals, including Mint.com, Mvelopes, Digit.co, Personal Capital, and many others.

If you have experience with this company or their products, please leave your YNAB reviews below.

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