You Need A Budget — proactive budgeting app based on the envelope method.
Pricing Plans
Free
Annual
Pricing model: annual
Pros & Cons
Pros
- Powerful budgeting method
- Bank sync
- Goal tracking
- Educational resources
Cons
- No free plan
- Learning curve
- Pricey for casual users
Best For
YNAB Alternatives
QuickBooks Online
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$30+
Xero
Cloud accounting software popular with small businesses and accountants outside the US.
$15+
Mint
Personal finance management app by Intuit that aggregates bank accounts, tracks spending, creates budgets, and monitors credit scores in one dashboard.
Free / $4.99+
Empower (Personal Capital)
Financial planning and wealth management platform combining free budgeting and investment tracking tools with optional advisory services for high-net-worth individuals.
Free / $0.89+
Robinhood
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Free / $5+
Acorns
Micro-investing app that automatically rounds up everyday purchases and invests the spare change into diversified ETF portfolios, plus banking and retirement accounts.
$3+Frequently Asked Questions
What is YNAB?
You Need A Budget — proactive budgeting app based on the envelope method.
How much does YNAB cost?
YNAB does not offer a free plan. Paid plans include: Annual: $99/mo.
What are the best alternatives to YNAB?
The best alternatives to YNAB include QuickBooks Online, Xero, Mint, Empower (Personal Capital). Each offers similar functionality with different strengths in features, pricing, and ease of use.
Is YNAB free?
No, YNAB does not offer a free plan. However, they may offer a free trial. Check their website for current offers.
What is YNAB best for?
YNAB is best for Individuals, Couples, Debt Payoff, Budget Beginners. It is designed to serve these audiences with specialized features and workflows.