You can also look at spending over time by switching the view to a bar graph. This feature is helpful to see where your money is going from month to month. You can also change the dates, accounts, and include/exclude specific categories. You can click each category to drill down further and eventually see the individual transactions. It’s a pie chart that shows spending by category and sub-category. The spending report is actually pretty helpful. There are currently three major reports: Spending, Net Worth, and Income vs. YNAB has extremely limited reporting features. This is probably the thing I’m personally most frustrated with. I always like to start with the downsides because it’s the most honest way to write a solid review. Although I’m a huge fan of the software, it has flaws that you should know about. I want you to understand that YNAB isn’t perfect and definitely has some major drawbacks. Features I specifically looked for and reasons I chose YNAB.If you want to have a PDF version that you can refer back to, just click the button below.

I’ve put together a PDF of the entire article with references for more YNAB resources. I don’t expect you to read the entire article in one sitting. Lastly, this review is over 9,000 words long. Use the Table of Contents to find the specific sections that will meet your needs. I include a guide for getting started, pitfalls people face with the software, the YNAB philosophy, and a specific checklist for why you shouldn’t use YNAB. This review guide is extremely long and you should use the Table of Contents below to navigate to specific sections. I’ve included the facts about specific features and my own opinions about why you should or shouldn’t use YNAB. In order to try and keep this review as unbiased as possible, I’ve included a review of all the major negative aspects of using YNAB. I cover both the pros and cons and make it very clear that YNAB isn’t for everyone. I’ve been a happy customer for almost a year now and really believe in the product.

YNAB doesn’t pay me anything review their product or recommend it. I want you to know that I don’t make a single dime from this article.

Discouraged because managing your money just isn’t working.

Ticked off at software that won’t do what you need.

Frustrated by trying to make a budget work.

In this guide, you’ll learn everything you need to know about YNAB, whether or not it’s right for you, how to set it up, and common pitfalls people face when starting YNAB. This is the most comprehensive review of You Need A Budget (YNAB) you’ll find on the web.

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