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About YNAB
YNAB (You Need A Budget) is a budgeting app based on a zero-based method: you give every dollar of income a purpose before spending it. The service is built as much around changing money habits as around tracking, and the company also publishes learning material and a book on its approach.
It is a paid subscription with a free trial that does not need a credit card. It suits people who want a structured, hands-on budgeting method rather than passive expense tracking.
Strengths
- Clear zero-based budgeting method
- Free trial without a credit card
- Extensive learning material around the method
Limitations
- Subscription required after the trial
- Method takes active effort to keep up
- Hosted service holding your financial data
Details
- Pricing
- PaidPaid subscription with a free trial that needs no credit card.
- License
- Proprietary
- Developer
- YNAB
- Platforms
- Android, iOS, Web
- How it runs
- Downloadable app, Hosted service
- Account
- Required
- Best suited for
- People who want a hands-on, zero-based budgeting routine
- Categories
- Personal finance
- Last verified
- Added
- Provenance
- Facts checked against the developer's own pages and store listings, 1 sources on file.
Alternatives to YNAB
Compare allSoftware that can replace YNAB for an important use case, and what changes if you switch.
Actual Budget
Envelope budgeting that keeps your data on your own device and syncs between machines without a company in the middle.
Actual Budget is free, MIT-licensed, local-first envelope budgeting that syncs through a server you run, with a web app instead of native mobile apps.
EveryDollar
A zero-based budgeting app from Ramsey Solutions for planning a monthly budget and tracking spending.
EveryDollar from Ramsey Solutions also uses zero-based budgeting, is freemium with a free account to start, and is listed as a web app only.
Goodbudget
An envelope budgeting app for the web, Android and iPhone that syncs budgets across a household.
Goodbudget uses envelope budgeting shared across a household on web, Android and iPhone, with a free tier and transaction import requiring Premium.
Monarch Money
A subscription money app that connects your accounts to track spending, budgets, net worth and goals.
Monarch Money is a paid subscription that connects accounts for automatic categorization and adds net worth tracking and free shared access for a partner.
Buckets
A private envelope budgeting app that keeps finances on your own computer, sold for a one-time price.
Buckets offers private envelope budgeting kept on your own computer for a one-time price covering the household, with no subscription but closed source.
Copilot Money
A paid personal finance app for tracking spending, budgets, investments and net worth on Apple devices and web.
Copilot Money is a paid app for macOS, iOS and web with automatic transaction organisation and investment tracking, but no Android or Windows app.
Lunch Money
A web-based budgeting and spending tracker with multi-currency support, bank syncing and a developer API.
Lunch Money is a paid web budgeting app with strong multi-currency support, bank syncing, a rules engine and a developer API.
PocketSmith
A budgeting and cash-flow forecasting service that projects account balances into the future.
PocketSmith is a freemium web service that forecasts future account balances from planned income and spending, shifting focus from assigning dollars to cash-flow projection.
YNAB as an alternative
Listings that name YNAB as an alternative.
Cashew
An open-source budgeting and expense tracking app built with Flutter for managing budgets and purchases.
YNAB is a paid zero-based budgeting subscription on Android, iOS and web, with data held on its hosted service.
Money Lover
A mobile expense manager and budget planner for recording transactions and tracking savings goals.
YNAB moves you to a zero-based budgeting routine on Android, iOS and web with extensive learning material, and requires a subscription after the trial.
MoneyWiz
A personal finance app for budgets, accounts and bank sync with desktop and mobile versions.
YNAB is a paid zero-based budgeting service on Android, iOS and web with extensive learning material, but its method takes active effort to keep up.
Quicken Simplifi
A subscription budgeting app from Quicken that tracks spending, savings goals, investments and net worth.
YNAB is a paid zero-based budgeting service on Android, iOS and web that asks you to assign every dollar actively, with extensive learning material.
Rocket Money
A budgeting app that finds your subscriptions, helps cancel them and tracks monthly spending.
YNAB is a paid zero-based budgeting service on Android, iOS and web that takes more active effort than Rocket Money's low-setup approach.
Spendee
A money manager app for tracking income and expenses, setting budgets and reviewing spending habits.
YNAB replaces simple tracking with a hands-on zero-based budgeting method on Android, iOS and web, and requires a subscription after the trial.
Tiller
A service that feeds bank transactions and balances into your own Google Sheets or Excel spreadsheets.
YNAB is a subscription zero-based budgeting app on Android, iOS and web, trading spreadsheet flexibility for a structured method with extensive learning material.
Toshl Finance
An expense tracker and budget app for Android, iOS and the web with multi-currency support.
YNAB swaps expense tracking for a zero-based budgeting routine on Android, iOS and web, with a subscription required after the free trial.
Wallet by BudgetBakers
A personal and family finance app for expense tracking, budgeting and bank synchronization on web and Android.
YNAB replaces tracking with a hands-on zero-based budgeting method on Android, iOS and web, requiring a subscription after the trial.
Similar software
Related functionality, not necessarily a direct replacement.
