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YNAB vs Toshl Finance: catalog facts
YNAB	Toshl Finance
Paid Paid subscription with a free trial that needs no credit card.	Freemium Paid features are offered with a free trial.
Android, iOS, Web	Android, iOS, Web
Clear zero-based budgeting method Free trial without a credit card	Manual entry or connected accounts Left-to-spend view against a monthly budget
Subscription required after the trial Method takes active effort to keep up	Data is stored with the service Some features require a paid plan
Downloadable app, Hosted service	Downloadable app, Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account 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 September 23, 2026

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