YNAB vs. the alternatives
| Tool | Best for | Pricing | Available in |
|---|---|---|---|
| YNAB | People who want a strict budgeting method | Free trial | Global |
| Copilot Money | Apple users who want a beautiful tracker | Free trial | US |
| Emma | UK users who want an all-in-one money app | Free plan | UK, EU, US, Canada |
| Empower Personal Dashboard | Tracking net worth and investments for free | Free | US |
| Goodbudget | Envelope budgeting without bank links | Free plan | Global |
| Lunch Money | Multi-currency households and tinkerers | Free trial | Global |
| Monarch Money | Couples managing money together | Free trial | US, Canada |
| MoneyCoach | Apple users who want budgets on every device | Free trial | Global |
| PocketGuard | Knowing what is safe to spend | Free trial | US, Canada |
| Quicken Simplifi | A simple spending plan without much effort | Paid | US, Canada |
| Rocket Money | Finding and cancelling subscriptions | Free plan | US |
| Snoop | UK users looking for savings on bills | Free plan | UK |
| Spendee | Tracking spending in several currencies | Free plan | Global |
| UntilFire | Planning for financial independence (FIRE) | Free plan | Global |
How to choose
- Bank connections that work in your country.
- A budgeting method that suits you: zero-based, envelopes or just tracking.
- Shared budgets if you manage money with a partner.
- How your data is protected and whether the app sells it.
Head-to-head
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