Personal finance software reviews You Need A Budget review
You Need A Budget is personal finance software that allows users to manage their funds without needing access to months of historical data.
It promises to help you pay off debt, save more money and create a flexible budget that makes it easy to achieve your financial goals.
We put You Need A Budget through rigorous testing in lab conditions, analysing and providing star ratings each of the features that we know are important to personal software users.
We also asked Which? members to monitor their spending for one month using the software, and asked to see if they felt more in control of their finances at the end of it.
Our review includes the full results of our lab tests, comments from You Need A Budget’s users and an overall verdict from our personal finance software experts.
You Need A Budget - lab tests
We reveal how easy it is to get started using You Need A Budget. We asked our lab testers to manually input two sets of fictitious financial data, as well as import CSV and QIF files from various sources in order to calculate star ratings for both ease and speed of data input.
Ease of use
Our lab testers tried out dozens of YNAB’s features and issued star ratings for its search, navigation, grouping, report generating, goal-setting and reminder scheduling functions.
We surveyed hundreds of personal finance software users, who told us these were the elements that were most important to be able to use easily.
We tested every element of YNAB’s customer support and gave it an overall star rating based on the range and quality of the services on offer.
What do You Need A Budget’s users say about it?
We asked four Which? members to test out You Need A Budget for a month and give us their opinions on each element of the software.
Our review features their verdicts, as well as comments from other You Need A Budget users.
Although these don’t affect the product’s overall test score, they should help give an idea of who this product is most suitable for.
Which? verdict on You Need A Budget
We reveal how suitable You Need A Budget is for beginners, who tend to struggle with computers and organising their finances and experts who are more experienced in these areas. We also tested and rated the associated YNAB smartphone app, which comes free with the software.
Our test score ignores price and is based on overall ratings for ease of use (55%;) getting started (15%); overall rating for beginners/experts (15%); support (10%); app score (5%).
Get Which? reviews and advice
Expert impartial reviewsWhen you sign up, you'll get access to this exclusive review as well as thousands of others.
Why use Which?We test products in the way you use them, looking at quality and ease of use without being bamboozled by manufacturers' claims.
IndependentWhich? is unbiased. We buy every product we test and don't accept any advertising.
Advice you can trustWhen you join Which? you get a monthly magazine, you can phone our legal service and money helpline, and you can access Which? Local, where members share recommendations for services in your area.
Ready to become a Which? member? Then take out a trial subscription today.