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At a glance
- Category
- Budgeting & personal finance
- Best for
- People who want a strict budgeting method
- Pricing model
- Free trial. Prices change often, so check the current plans on ynab.com.
- Available in
- Global
Key features
- Zero-based budgeting method
- Shared budgets
- Lots of free education
What to check before you sign up
- 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.
Alternatives to YNAB
Copilot MoneyBudgeting
Best for Apple users who want a beautiful tracker.
EmmaBudgeting
Best for UK users who want an all-in-one money app.
Empower Personal DashboardBudgeting
Best for tracking net worth and investments for free.
GoodbudgetBudgeting
Best for envelope budgeting without bank links.
Lunch MoneyBudgeting
Best for multi-currency households and tinkerers.
Monarch MoneyBudgeting
Best for couples managing money together.
See all YNAB alternatives compared →
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Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with YNAB unless marked as featured, sponsored or affiliate link. Not financial advice.