Budgeting comparison
Goodbudget vs YNAB
Updated
Data as of
Goodbudget checked YNAB checked
I earn commissions from some links.
Goodbudget
Budgeting app
Visit site for Goodbudget (opens in a new tab)
YNAB
Budgeting app
Visit site for YNAB (opens in a new tab)
Short answer
- Pick Goodbudget if you want a free version.
- Pick YNAB if you want a separate login for your partner, features for kids or teens, or business spending tracked next to personal spending.
- The biggest difference is price: Goodbudget has a free version, and YNAB lists $14.99 a month.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Goodbudget vs YNAB at a glance
- Goodbudget
- Price
- $10a month, or a free version
- Free trial
- None
- Rating
- 4.6 of 5App Store, 13,528 ratings
- Platforms
- 3Web, Android, iPhone
- YNAB
- Price
- $14.99a month
- Free trial
- 34 days
- Rating
- 4.8 of 5App Store, 62,068 ratings
- Platforms
- 5Web, iPhone, Android, iPad, Apple Watch
What it costs
- GoodbudgetLower price
$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
$80 a year at the yearly list price, or $240 over 3 years, before tax.
Source
goodbudget.com/signup, checked . - YNAB
$14.99a month
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
$109 a year at the yearly list price, or $327 over 3 years, before tax.
Source
ynab.com/pricing, checked .
Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | Goodbudget | YNAB |
|---|---|---|
| Savings goals | Yes | Yes |
| Shared budgets | Yes | Yes |
| Data export | Yes | Yes |
YNAB also lists investment tracking and API or MCP access.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- Goodbudget: goodbudget.com/what-you-get, checked Nov 3, 2026.Savings goals: Goal Envelopes take a budget amount and a due date, and Annual Envelopes save for yearly costs. 'With the Free version of Goodbudget, you'll be able to track up to 10 More Envelopes for savings or goals.' Premium is unlimited. goodbudget.com/help/customize-your-goodbudget/goals-and-annuals, checked Nov 3, 2026.Data export: Export CSV from the Transactions list. goodbudget.com/help/customize-your-goodbudget/export-transactions, checked Nov 3, 2026.
- YNAB: ynab.com/pricing, checked Nov 3, 2026.Investment tracking: Manual tracking accounts for investment balances in Net Worth; investment accounts don't import transactions. support.ynab.com/en_us/tracking-investment-accounts-a-guide-r1Bzjxd05, checked Nov 3, 2026.Data export: CSV or TSV export of your plan and transactions, on the web. support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked Nov 3, 2026.API or MCP: Official YNAB API (api.ynab.com: personal access tokens and OAuth apps) and a Zapier integration. No MCP stated. ynab.com/our-app-lineup, checked Nov 3, 2026.
Goodbudget and YNAB, side by side
| Detail | Goodbudget | YNAB |
|---|---|---|
| Free trialDiffers | GoodbudgetGoodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. Sourceforums.goodbudget.com/t/premium-level/2994, checked . | YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. Sourceynab.com/pricing, checked . |
| PlatformsDiffers | GoodbudgetGoodbudget lists Web, Android and iPhone. Sourcegoodbudget.com/signup, checked . | YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch. Sourceynab.com/our-app-lineup, checked . |
| Bank syncingDiffers | GoodbudgetPremium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it. Sourcegoodbudget.com/signup, checked . | YNABYes. YNAB lets you connect your accounts and import transactions. Sourceynab.com/pricing, checked . |
| App store ratingDiffers | GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,528 ratings. SourceApp Store listing, checked . | YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Goodbudget
No official screen found yet
YNAB
App Store marketing imageApp Store image with the headline "Never worry about money again" over a tilted phone showing the YNAB Home screen with new transactions, Ready to Assign and a Top Priorities list.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Learn to be good at money" showing the Home screen with a For You section and a YNAB Foundations lesson card.App Store listing, as of 
App Store marketing imageThe Home screen: a September row, a "How to get a month ahead" link, a For You lesson card and a Connect With Our Team button.App Store listing, as of 
From YNAB's help centerA Pinned section on the Home screen listing Groceries, Personal Care and Time With Friends with available amounts.support.ynab.com, as of 
From YNAB's help centerA January Summary card with Total Targets, Underfunded, Assigned and Spent tiles.support.ynab.com, as of
Accounts
Goodbudget
App Store marketing imageApp Store image with the headline "Connect your bank (with a Premium subscription)" showing a Select Account screen.App Store listing, as of 
App Store marketing imageA Select Account screen for linking a bank account to Checking, with an Add New Bank Connection link.App Store listing, as of
YNAB
No official screen found yet
Transactions
Goodbudget
App Store marketing imageApp Store image with the headline "Practice conscious spending" showing an Add Transaction form.App Store listing, as of 
App Store marketing imageAn Add Transaction form with Type, Payee, Amount, Envelope, Account, Date and Schedule fields.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Practice conscious spending" showing the Android Add Transaction form.Google Play listing, as of
YNAB
From YNAB's help centerAn iPhone Split Transaction screen for a -$100.00 Grocery Store purchase split between Groceries and a transfer to Cash.support.ynab.com, as of 
From YNAB's help centerThe web account register for Checking with a split transaction open across several category rows.support.ynab.com, as of
Budget
Goodbudget
App Store marketing imageApp Store image with the headline "Sync & share a budget" showing the Envelopes screen with Food, Fun and Bills envelopes and progress bars.App Store listing, as of 
App Store marketing imageThe Envelopes screen with envelope groups, amounts left and bars, and a bottom tab bar.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Create a budget that works" showing an Edit Budget screen.App Store listing, as of 
App Store marketing imageAn Edit Budget screen listing envelopes with amounts, an Add Envelope link and Total Budgeted 1508.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Choose your style" showing the Envelopes screen in dark mode.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Sync & share a budget" showing the Android Envelopes screen.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Plan before you spend" showing the Android Fill Envelopes screen.Google Play listing, as of
YNAB
App Store marketing imageApp Store image with the headline "Find your Cost to Be Me" over a tilted phone showing an Edit Plan screen with a $4,000.00 Cost to Be Me total and July's targets.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Make a plan for your spending" showing the August 2025 plan with Ready to Assign at the top and categories grouped under Credit Card Payments and Living Expenses.App Store listing, as of 
App Store marketing imageThe plan screen from that image: a green Ready to Assign bar, then category rows with amounts and progress bars.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Cover unexpected costs easily" showing a Cover Overspending sheet for a -$300.00 Car Repair, with categories to move money from.App Store listing, as of 
App Store marketing imageThe Cover Overspending sheet: the overspent Car Repair category on top and a searchable list of categories with available amounts below.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Make a plan for your spending" showing the Android plan screen with Ready to Assign and category rows.Google Play listing, as of 
From YNAB's help centerThe web plan with category groups and a side panel for one category showing its target and the amount needed this month.support.ynab.com, as of 
App Store marketing imageCategory rows such as Mortgage, Household Items, Groceries and Dining Out, each with an available amount and a status line like Funded or Fully Spent.App Store listing, as of 
App Store marketing imageThe green bar at the top of the plan reading $1,000.00 Ready to Assign.App Store listing, as of 
From YNAB's help centerA web plan row for Groceries marked Overspent, with a red available amount of -$100.00.support.ynab.com, as of
Goals
Goodbudget
App Store marketing imageApp Store image with the headline "Track your debt progress" showing a Debt Progress chart for a car loan.App Store listing, as of 
App Store marketing imageA Debt Progress report with a payoff line to 2026 and a table showing the car loan balance and finish date.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Save for big expenses" showing a Vacation envelope with its history.App Store listing, as of 
App Store marketing imageA Vacation envelope with 2,000.00 saved and a dated list of fills and income.App Store listing, as of
YNAB
App Store marketing imageApp Store image with the headline "Fund goals to make more memories" showing a Hawaii Vacation category with its balance and a "You've met your target!" message.App Store listing, as of 
App Store marketing imageThe Hawaii Vacation category screen: balance breakdown for the month and a target card with a check mark.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Fund goals to make more memories" showing the Android Home screen with a Current Goal ring at 100% Complete for Hawaii Vacation.Google Play listing, as of 
App Store marketing imageA balance card listing From Jul, Assigned for Aug, Activity in Aug and Available amounts.App Store listing, as of 
From YNAB's help centerA help-center graphic pairing a target card at 91% with a Move To sheet that assigns $1,830.00 to Rent.support.ynab.com, as of 
From YNAB's help centerTwo Current Goal cards: an empty one asking "What are you saving for?" and one for Sisters Trip 2026 at 46% complete.support.ynab.com, as of
Reports and insights
Goodbudget
App Store marketing imageApp Store image with the headline "See your spending" showing a Spending report pie chart for May 2024.App Store listing, as of 
App Store marketing imageA Spending report with a pie chart, total spending of 628.57 and a table of envelopes by share.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Stay on budget" showing an Income vs Spending report with monthly bars.App Store listing, as of 
App Store marketing imageAn Income vs Spending report with paired monthly bars and a table of income, spending and net.App Store listing, as of
YNAB
App Store marketing imageApp Store image with the headline "See spending trends over time" showing the Reflect screen with an Income vs. Spending bar chart and a Net Worth card.App Store listing, as of 
App Store marketing imageThe Reflect screen in dark mode with an Income vs. Spending chart by month and a Net Worth card below it.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "See spending trends over time" showing the Android Reflect screen with an Income vs. Spending chart.Google Play listing, as of 
App Store marketing imageAn Income vs. Spending card with paired monthly bars from January to June and the line "On average, you're spending less than you make."App Store listing, as of
Bills and recurring
Goodbudget
No official screen found yet
YNAB
From YNAB's help centerThe web plan with a Subscription category selected and a side panel showing an upcoming scheduled transaction and the balance after it.support.ynab.com, as of
Sharing with a partner
Goodbudget
No official screen found yet
YNAB
App Store marketing imageApp Store image with the headline "Share access with loved ones" showing a YNAB Together screen with a Group Manager and a list of members.App Store listing, as of 
App Store marketing imageThe YNAB Together screen: an illustration, a line about plan sharing options for each member, then Group Manager and Members sections.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Share access with loved ones" showing the Android Together screen with a Group Manager and Members.Google Play listing, as of 
From YNAB's help centerTwo iPhone screens from the help center: an invite to join a YNAB Together group, and the Create Account screen that follows.support.ynab.com, as of 
App Store marketing imageThe Group Manager row and the Members list, each person shown with a name, email and an arrow.App Store listing, as of 
From YNAB's help centerThe web plan with a Recent Moves panel filtered to Everyone, showing which member assigned $199.21 to a category.support.ynab.com, as of
Other screens
Goodbudget
App Store marketing imageThe bottom tab bar with Envelopes, Transactions, Accounts, Reports and More.App Store listing, as of
YNAB
App Store marketing imageApp Store image with the headline "Ask Siri to check your plan on the go" showing a Siri result card that reads $232.09 available in Groceries.App Store listing, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
Source
goodbudget.com/signup, checked .YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
Source
ynab.com/pricing, checked .Does it connect to my bank and import transactions?
Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
Source
goodbudget.com/signup, checked .YNAB: Yes. YNAB lets you connect your accounts and import transactions.
Source
ynab.com/pricing, checked .Can I export my data?
Goodbudget: Yes. You can export your data.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, checked .YNAB: Yes. You can export your data.
Source
In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .Is there support from the app's makers if I need help?
Goodbudget: Yes. Community (Free) and email (Premium).
Source
In their words: “Email support” goodbudget.com/signup, checked .YNAB: Yes. Chatbot with human handoff and email.
Source
In their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Goodbudget: No. Your partner signs in to your same account.
Source
In their words: “If you've already done that, you'll be able to share your budget with your partner by having them login to Goodbudget on their device using the same username / email address and password you created when you registered.” goodbudget.com/help/mobile-apps/share-budget-w-partner, checked .YNAB: Yes. Your partner gets their own login.
Source
In their words: “No need to share a password-invite a close-knit group of up to five people to a YNAB Together group as part of your subscription!” ynab.com/features/subscription-sharing, checked .Can we set up joint budgets and goals?
Goodbudget: Yes. You can work toward goals together.
Source
In their words: “When you do that, you'll both be able to add transactions, and make changes to your budget as needed.” goodbudget.com/help/mobile-apps/share-budget-w-partner, checked .YNAB: Yes. You can work toward goals together.
Source
In their words: “Targets help clarify your shared priorities and goals.” ynab.com/features/subscription-sharing, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Goodbudget: No.
Source
In their words: “The Services are intended solely for users who are eighteen (18) years of age or older.” goodbudget.com/terms-of-use, checked .YNAB: Yes. It has accounts or features for kids or teens.
Source
In their words: “As Group Manager, sharing your plan is optional, but you can access plans created by members-ideal for teaching teens about money!” ynab.com/features/subscription-sharing, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I track irregular income without messing up my monthly budget?
Goodbudget: Yes. It has official guidance for budgeting irregular income.
Source
In their words: “If you get small or irregular paychecks, you can let them collect in Available.” goodbudget.com/help/budgeting-with-goodbudget/unallocated-money, checked .YNAB: Yes. It has official guidance for budgeting irregular income.
Source
In their words: “If you're self-employed, commission-based, or manage you own business, your expenses aren't all monthly nor are they predictable.” ynab.com/templates/variable-income, checked .Can I mix business and personal expenses in this app?
Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, checked .YNAB: Yes. You can track business spending next to personal spending.
Source
support.ynab.com/en_us/how-to-set-up-a-small-business-plan-rJ483f2Qh, checked .Can I export my transactions for tax prep?
Goodbudget: Yes. You can export your transactions for tax prep.
Source
In their words: “we can give you a few pointers on how to use Goodbudget reports alongside your tax software so the process is a little smoother” goodbudget.com/blog/2026/03/gb-bulletin-gb-cant-file-your-taxes-for-you, checked .YNAB: Yes. You can export your transactions for tax prep.
Source
In their words: “Learn about our exporting options!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, checked .YNAB: Yes. You can track business spending next to personal spending.
Source
support.ynab.com/en_us/how-to-set-up-a-small-business-plan-rJ483f2Qh, checked .Can I export my transactions for tax prep?
Goodbudget: Yes. You can export your transactions for tax prep.
Source
In their words: “we can give you a few pointers on how to use Goodbudget reports alongside your tax software so the process is a little smoother” goodbudget.com/blog/2026/03/gb-bulletin-gb-cant-file-your-taxes-for-you, checked .YNAB: Yes. You can export your transactions for tax prep.
Source
In their words: “Learn about our exporting options!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .Can I share my finances with my accountant?
Goodbudget: Yes. You can export your data and send the file.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, checked .YNAB: Yes. You can export your data and send the file.
Source
In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistYNAB lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Goodbudget and YNAB list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Goodbudget and YNAB list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Goodbudget nor YNAB feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What YNAB users say
Based on 500 App Store reviews, 35 Reddit posts, 2 YouTube videos and 25 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 562 reviews, posts and videos we read, 134 mention how easy or hard the app is to use.
- Of the 562 reviews, posts and videos we read, 103 mention the price, fees or the subscription.
- Of the 562 reviews, posts and videos we read, 90 mention debt, money stress or feeling in control.
Positive
“There is admittedly a learning curve, but once you learn how YNAB works it is life changing. I finally have ownership over my finances.”
Critical
“I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
Critical
“Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
Where these come from
- YNAB reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for YNAB, read Oct 24, 2026. Public search of comments and posts. 72 named the app; we kept 25 where the writer shares their own use of it.
- Reddit search for YNAB, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "YNAB", posts and comments from after Oct 24 2025. It returned 93, most of them about something else. We kept 35 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for YNAB, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "YNAB review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/DrDrCr in r/FPandA on Reddit, Oct 24, 2026.
- u/WBedsmith in r/MonarchMoney on Reddit, Oct 23, 2026.
- u/Veriosity in r/ynab on Reddit, Oct 23, 2026.
- u/InfintiteToast in r/ynab on Reddit, Oct 23, 2026.
- u/tyberrymuch_ in r/ynab on Reddit, Oct 23, 2026.
- u/catit_ in r/ynab on Reddit, Oct 23, 2026.
- u/BurningUpMyLife in r/budgetingforbeginners on Reddit, Oct 23, 2026.
- u/trambalambo in r/FPandA on Reddit, Oct 23, 2026.
- u/MastodonFarm in r/ynab on Reddit, Oct 23, 2026.
- u/big_like_a_pickle in r/ynab on Reddit, Oct 23, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/virtualnumber8 in r/ynab on Reddit, Oct 23, 2026.
- u/elijahjane in r/ynab on Reddit, Oct 23, 2026.
- u/cLWnOe8mmae7WOJi25kk in r/ynab on Reddit, Oct 23, 2026.
- u/DannyOdd in r/ynab on Reddit, Oct 23, 2026.
- u/twentytwo_a in r/ynab on Reddit, Oct 23, 2026.
- u/Wrenchinspokesby in r/ynab on Reddit, Oct 23, 2026.
- u/Electrical-Flan-102 in r/liquidbudget on Reddit, Oct 23, 2026.
- u/Miserable-Expert4101 in r/ynab on Reddit, Oct 23, 2026.
- u/varkeddit in r/ynab on Reddit, Oct 23, 2026.
- u/Rovelocal in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/Chessie37 in r/personalfinance on Reddit, Oct 23, 2026.
- u/InterpASL77 in r/ynab on Reddit, Oct 23, 2026.
- u/CarminSanDiego in r/personalfinance on Reddit, Oct 23, 2026.
- u/SingleUmpire7464 in r/personalfinance on Reddit, Oct 23, 2026.
- u/Critical_Purple_8600 in r/ynab on Reddit, Oct 23, 2026.
- u/Ok_Aioli_8431 in r/zerosumappbudget on Reddit, Oct 23, 2026.
- u/Ok-Independence6375 in r/ynab on Reddit, Oct 23, 2026.
- u/MerelyMisha in r/ExecutiveDysfunction on Reddit, Oct 23, 2026.
- u/Buddy_Kane_the_great in r/ynab on Reddit, Oct 22, 2026.
- u/rlebeau47 in r/ynab on Reddit, Oct 21, 2026.
- u/olive20597 in r/ynab on Reddit, Oct 21, 2026.
- u/Icyhoticycold in r/ynab on Reddit, Oct 21, 2026.
- u/SnooStrawberries4146 in r/ynab on Reddit, Oct 20, 2026.
- "YNAB Review: Is It the Best Budgeting App?" by Rayan-Solutions on YouTube, Oct 4, 2026.
- liamwire on Hacker News, Aug 4, 2026.
- throw0101a on Hacker News, Aug 2, 2026.
- dmix on Hacker News, Aug 1, 2026.
- "Best Budgeting Apps in the U.S.: Mint vs YNAB (Honest Review)" by The Financial Journey on YouTube, May 5, 2026.
- terrabitz on Hacker News, May 1, 2026.
- mpyne on Hacker News, Apr 2, 2026.
- deweller on Hacker News, Mar 17, 2026.
- MattiaHall on Hacker News, Jan 10, 2026.
- x187463 on Hacker News, Jan 8, 2026.
- mpyne on Hacker News, Jan 4, 2026.
- twodave on Hacker News, Jan 2, 2026.
- vladvasiliu on Hacker News, Jan 2, 2026.
- mpyne on Hacker News, Jan 2, 2026.
- 360MustangScope on Hacker News, Jan 2, 2026.
- spiffytech on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- bronco21016 on Hacker News, Jan 2, 2026.
- sxg on Hacker News, Jan 2, 2026.
- x187463 on Hacker News, Jan 2, 2026.
- ajdude on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- Ronnie76er on Hacker News, Nov 22, 2025.
- kcrwfrd_ on Hacker News, Nov 21, 2025.
- joshstrange on Hacker News, Nov 21, 2025.
FAQ
How much does Goodbudget cost?
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year. We checked this on Nov 3, 2026.
How much does YNAB cost?
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked this on Nov 3, 2026.
Does Goodbudget have a free trial?
Goodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. We checked this on Nov 3, 2026.
Does YNAB have a free trial?
YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- Read our YNAB review.
- See Goodbudget alternatives, closest category first.
- See YNAB alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 12 facts, each linked and dated
Goodbudget6 sourced facts, last checked Nov 3, 2026
- Price and feesgoodbudget.com/signup, as of Nov 3, 2026
- Free trialforums.goodbudget.com/t/premium-level/2994, as of Nov 3, 2026
- Platformsgoodbudget.com/signup, as of Nov 3, 2026
- Bank syncinggoodbudget.com/signup, as of Nov 3, 2026
- Featuresgoodbudget.com/what-you-get, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
YNAB6 sourced facts, last checked Nov 3, 2026
- Price and feesynab.com/pricing, as of Nov 3, 2026
- Free trialynab.com/pricing, as of Nov 3, 2026
- Platformsynab.com/our-app-lineup, as of Nov 3, 2026
- Bank syncingynab.com/pricing, as of Nov 3, 2026
- Featuresynab.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
