The scores
YNAB reviews well where it is listed. Trustpilot has it at 4.6 out of 5 from 3,054 reviews.
Review scores by platform
Trustpilot
4.6/ 54.6 out of 5
Based on 3,054 reviews.
Retrieved 21 July 2026.
Read YNAB reviews on Trustpilot(opens Trustpilot in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- Reviewers repeatedly describe the method as changing how they handle money, not just tracking it
- The app itself is described as polished and intuitive once the method clicks
- Many say the subscription pays for itself in what they stop overspending
What reviewers complain about
- The learning curve puts people off in the first fortnight
- Price is the most common sticking point, and reviewers note it has risen
- Bank syncing frustrations, particularly outside the US
In reviewers’ own words
“We've been using YNAB for a year now and it's been life-changing.”
What reviewers keep asking for
- No retirement or pension projection, so the plan stops at the end of the month
- Nothing that understands ISAs, SIPPs or UK tax
- No answer to whether you are actually on track for the long term
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs YNAB.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what YNAB is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on YNAB
YNAB: common questions
Yes. YNAB is an established product in the budgeting category, with 3,054 reviews on Trustpilot.
The learning curve puts people off in the first fortnight. Price is the most common sticking point, and reviewers note it has risen. Bank syncing frustrations, particularly outside the US.
No. Reviewers raise this directly: no retirement or pension projection, so the plan stops at the end of the month. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Trustpilot shows 3,054 reviews, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.