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YNAB vs Buddy: catalog facts
YNAB	Buddy
Paid Paid subscription with a free trial that needs no credit card.	Freemium Free to try, with paid features.
Android, iOS, Web	iOS
Clear zero-based budgeting method Free trial without a credit card	Shared budgets with synced transactions Simple budget setup
Subscription required after the trial Method takes active effort to keep up	Only an iOS app is listed Full feature set is not free
Downloadable app, Hosted service	Downloadable app
Closed source	Closed source
License not stated	License not stated
Account needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.