Alternatives
YNAB alternatives in 2026
Updated
Data as of
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YNABBudgeting appYNAB is a budgeting app. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked that on Nov 3, 2026. Below are 14 other apps, starting with the 12 other budgeting apps and then AI money tools. They're ranked by how close each app's category is to YNAB's, not by how good it is, and every fact shows the date we checked it.
Short answer
The closest alternatives to YNAB are Albert, Cleo and Copilot Money, because Albert, Cleo and Copilot Money are also budgeting apps. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked YNAB on Nov 3, 2026, and each card below puts an alternative's price, trial, platforms and ratings next to YNAB's, with the date we checked them.
What YNAB says on its own pages
Before you compare, here is what YNAB itself says about these points. Quotes are its own words, and each line links to the page we read.
- Sharing with a partner: “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!” (source, opens in a new tab, checked )
- People per plan: “You can share your YNAB with partners, families, and other close-knit groups of up to six people-all for the price of a single subscription.” (source, opens in a new tab, checked )
- Joint and personal views: “Members of your group can create or share unlimited plans. As Group Manager, you decide which of your plans to share with members.” (source, opens in a new tab, checked )
- Shared goals: “Targets help clarify your shared priorities and goals.” (source, opens in a new tab, checked )
- Irregular income: “If you're self-employed, commission-based, or manage you own business, your expenses aren't all monthly nor are they predictable.” (source, opens in a new tab, checked )
- Exporting your data: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” (source, opens in a new tab, checked )
- Age and family: “As Group Manager, sharing your plan is optional, but you can access plans created by members-ideal for teaching teens about money!” (source, opens in a new tab, checked )
What YNAB and its alternatives cost
- YNAB
$14.99a month
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
Cost over 1 and 3 years: $109 and $327, at the yearly list price before tax.
As of · ynab.com/pricing
Albert$19.99a month
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
Cleo$5.99a month
Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.
Cost over 1 and 3 years: $44.99 and $134.97, at the yearly list price before tax.
Copilot Money$13a month
Copilot Money costs $13 a month, or $95 a year billed yearly.
Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.
As of · copilot.money
EveryDollar$17.99a month
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
Cost over 1 and 3 years: $79.99 and $239.97, at the yearly list price before tax.
As of · everydollar.com
Goodbudget$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
Cost over 1 and 3 years: $80 and $240, at the yearly list price before tax.
As of · goodbudget.com/signup
HoneydueHoneydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
Monarch Money$14.99a month
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · monarch.com/pricing
Origin$12.99a month
Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.
PocketGuard$12.99a month
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
Cost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.
As of · pocketguard.com/pricing
Quicken Simplifi$6.99a month, billed yearly
Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.
As of · quicken.com/products/simplifi
Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
Fifecta$15a month
Fifecta costs $15 a month or $150 a year.
Cost over 1 and 3 years: $150 and $450, at the yearly list price before tax.
As of · pricelesstay.com/fifecta
Actual BudgetActual is free and open source, and its desktop apps run locally.
As of · github.com/actualbudget/actual
- Finances in ChatGPT
OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
Alternatives to YNAB, closest category first
Each card puts the app's facts next to YNAB's, with the date we checked each one. The order follows how close the category is, not how good the app is.
How YNAB compares at a glance
- Against YNAB's lowest listed paid price of $14.99 a month, Cleo ($5.99 a month), Copilot Money ($13 a month), Goodbudget ($10 a month), Origin ($12.99 a month) and PocketGuard ($12.99 a month) list a lower one, Albert ($19.99 a month) and EveryDollar ($17.99 a month) list a higher one and Monarch Money lists the same.
- Honeydue and Actual Budget are free, unlike YNAB.
- Next to YNAB's 34-day free trial, Albert (30 days), EveryDollar (14 days), Monarch Money (7 days), PocketGuard (7 days) and Rocket Money (7 days) run shorter and Goodbudget, Honeydue, Simplifi, Actual Budget and Finances in ChatGPT have no free trial.
- Where YNAB pulls in your bank data, EveryDollar and Goodbudget have paid-only bank sync.
- For Mac, look at Copilot Money, Origin and Actual Budget, since YNAB doesn't list it.
- YNAB doesn't list Windows, and Actual Budget does.
- For Linux, look at Actual Budget, since YNAB doesn't list it.
- Albert, Cleo, Honeydue and Actual Budget don't list the web, where YNAB runs.
- YNAB runs on Apple Watch, which Albert, Cleo, Copilot Money, Goodbudget, Honeydue, Monarch Money, Origin, Rocket Money, Actual Budget and Finances in ChatGPT don't list.
- Copilot Money and Actual Budget don't list Android, where YNAB runs.
- Goodbudget and Actual Budget don't list iPad, where YNAB runs.
- YNAB lists iPhone, and Actual Budget doesn't.
- YNAB holds a 4.8 App Store rating. Of the apps below, Monarch Money (4.9) rates higher and Albert (4.7), Cleo (4.7), EveryDollar (4.7), Goodbudget (4.6), Honeydue (4.5), Origin (4.6), PocketGuard (4.6), Simplifi (4.5) and Rocket Money (4.5) rate lower.
- For help, YNAB lists these channels: chatbot with human handoff and email. Of the apps below, Albert, Origin and Simplifi list phone support.
- YNAB offers shared budgets, which Cleo's own pages say it doesn't.
- YNAB offers investment tracking, which Cleo's own pages say it doesn't.
- YNAB offers joint and individual views, which EveryDollar, PocketGuard, Simplifi and Rocket Money say on their own pages they don't.
- YNAB offers help with irregular income, which Rocket Money's own pages say it doesn't.
- YNAB offers business money tracking, which Albert, Cleo, EveryDollar, Goodbudget and Honeydue say on their own pages they don't.
- YNAB offers exports for tax time, which Cleo's own pages say it doesn't.
- YNAB offers options for kids, which Albert, Cleo, Copilot Money, Goodbudget, Honeydue, Monarch Money, Origin, PocketGuard, Simplifi and Rocket Money say on their own pages they don't.
Other budgeting apps
- Same category
Albert
Budgeting app
Albert is a subscription money app for budgeting, banking, saving and investing, with an AI assistant called Genius.
- Price and fees
- AlbertAlbert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.As of Nov 12, 2026. Source: help.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- AlbertAlbert says you can try your plan for 30 days before you're charged.As of Nov 12, 2026. Source: albert.com
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- AlbertAlbert lists iOS and Android.As of Nov 12, 2026. Source: albert.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- AlbertAlbert has 4.7 out of 5 on the App Store from 343,539 ratings.As of Nov 12, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Albert differs from YNAB
Albert starts at $19.99 a month, more than YNAB's $14.99 a month. Albert's free trial lasts 30 days, shorter than YNAB's 34-day trial. Albert's platform list leaves out the web and Apple Watch, which YNAB covers. YNAB includes business money tracking and options for kids, which Albert says it doesn't offer. Albert allows up to 5 people on one plan, against YNAB's cap of 6. Albert lists phone support, and YNAB's support list doesn't. Albert rates 4.7 from 343,539 ratings on the App Store, where YNAB sits at 4.8 from 62,068 ratings. Like YNAB, Albert is a budgeting app. As with YNAB, Albert syncs with your bank. Like YNAB, Albert offers goals, shared budgets, investment tracking, data export and joint and individual views. Like YNAB, Albert gives partners separate logins. Like YNAB, Albert lists email and chat support.
Who it fits
- Albert lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Albert lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Albert lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- Albert lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Cleo
Budgeting app
Cleo is a money app with an AI chat assistant, budgeting tools and cash advances.
- Price and fees
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Nov 3, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- CleoCleo lists iOS and Android.As of Nov 12, 2026. Source: meetcleo.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- CleoCleo has 4.7 out of 5 on the App Store from 268,990 ratings.As of Nov 12, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Cleo differs from YNAB
Paying yearly, Cleo's lowest price is $44.99 a year, next to $109 a year for YNAB. Against YNAB's $14.99 a month, Cleo lists $5.99 a month as its lowest paid price. YNAB's listed prices are all for paid plans, while Cleo also has a free version. YNAB also covers the web and Apple Watch, which Cleo doesn't list. YNAB includes shared budgets, investment tracking, business money tracking, exports for tax time and options for kids, which Cleo says it doesn't offer. YNAB lets each partner sign in on their own, but Cleo has partners share one login. Cleo rates 4.7 from 268,990 ratings on the App Store, where YNAB sits at 4.8 from 62,068 ratings. Cleo is a budgeting app, the same kind of app as YNAB. Cleo syncs with your bank, the same as YNAB. Like YNAB, Cleo offers goals. Cleo lists email and chat support, which YNAB provides too.
Who it fits
- Cleo lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Cleo lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Copilot Money
Budgeting app
Copilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.
- Price and fees
- Copilot MoneyCopilot Money costs $13 a month, or $95 a year billed yearly.As of Nov 3, 2026. Source: copilot.money
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- Copilot MoneyCopilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Nov 3, 2026. Source: copilot.money
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.As of Nov 3, 2026. Source: copilot.money
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,895 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Copilot Money differs from YNAB
For a year up front, Copilot Money lists $95 a year, against YNAB's $109 a year. Against YNAB's $14.99 a month, Copilot Money lists $13 a month as its lowest price. Copilot Money runs on Mac, which YNAB's list leaves out. YNAB also covers Android and Apple Watch, which Copilot Money doesn't list. YNAB includes options for kids, which Copilot Money says it doesn't offer. YNAB lets each partner sign in on their own, but Copilot Money has partners share one login. Copilot Money is a budgeting app, the same kind of app as YNAB. As with YNAB, Copilot Money syncs with your bank. Like YNAB, Copilot Money offers goals, investment tracking, data export, joint and individual views and business money tracking. Copilot Money lists email and chat support, which YNAB provides too. Like YNAB, Copilot Money is rated 4.8 on the App Store.
Who it fits
- Copilot Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Copilot Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Copilot Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
EveryDollar
Budgeting app
EveryDollar is a zero-based budgeting app from Ramsey Solutions with a free version and a paid premium version.
- Price and fees
- EveryDollarEveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.As of Nov 3, 2026. Source: everydollar.com
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- EveryDollarEveryDollar premium starts with a 14-day free trial for new users.As of Nov 3, 2026. Source: everydollar.com
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- EveryDollarEveryDollar lists iOS, Android and Computer.As of Nov 3, 2026. Source: ramseysolutions.com/money/everydollar
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,203 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How EveryDollar differs from YNAB
For a year up front, EveryDollar lists $79.99 a year, against YNAB's $109 a year. Against YNAB's $14.99 a month, EveryDollar lists $17.99 a month as its lowest paid price. YNAB's listed prices are all for paid plans, while EveryDollar also has a free version. You get 14 free days with EveryDollar, and YNAB's trial runs 34. Unlike YNAB, which pulls in your bank data, EveryDollar has paid-only bank sync. EveryDollar's own pages say it doesn't offer joint and individual views and business money tracking, which YNAB includes. EveryDollar allows up to 2 people on one plan, where YNAB's cap is 6. EveryDollar doesn't list email and chat support, which YNAB provides. On the App Store, EveryDollar is rated 4.7 from 84,203 ratings, next to YNAB's 4.8 from 62,068 ratings. Like YNAB, EveryDollar is a budgeting app. EveryDollar offers goals, shared budgets, investment tracking, data export, shared goals and help with irregular income, which YNAB includes too. EveryDollar gives partners separate logins, the same as YNAB.
Who it fits
- EveryDollar lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- EveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- EveryDollar lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Goodbudget
Budgeting app
Goodbudget is an envelope budgeting app with a free version and a paid Premium version.
- Price and fees
- GoodbudgetGoodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.As of Nov 3, 2026. Source: goodbudget.com/signup
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- 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.As of Nov 3, 2026. Source: forums.goodbudget.com/t/premium-level/2994
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- GoodbudgetGoodbudget lists Web, Android and iPhone.As of Nov 3, 2026. Source: goodbudget.com/signup
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,528 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Goodbudget differs from YNAB
Paying yearly, Goodbudget's lowest price is $80 a year, next to $109 a year for YNAB. Goodbudget starts at $10 a month, while YNAB charges from $14.99 a month. Goodbudget also has a free version, and every price YNAB lists is for a paid plan. Goodbudget has no free trial, while YNAB gives you 34 days. Where YNAB keeps your bank in sync, Goodbudget syncs banks only when paid. Goodbudget's platform list leaves out iPad and Apple Watch, which YNAB covers. Goodbudget's own pages say it doesn't offer business money tracking and options for kids, which YNAB includes. Goodbudget has partners share one login, while YNAB lets each partner sign in on their own. YNAB provides chat support, which Goodbudget doesn't list. Goodbudget rates 4.6 from 13,528 ratings on the App Store, where YNAB sits at 4.8 from 62,068 ratings. Goodbudget and YNAB are both budgeting apps. Goodbudget offers goals, shared budgets, data export, shared goals, help with irregular income and exports for tax time, which YNAB includes too. Like YNAB, Goodbudget lists email support.
Who it fits
- Goodbudget lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Goodbudget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Honeydue
Budgeting app
Honeydue is a free mobile app for couples to track balances, budgets and bills together, with controls over what each partner shares.
- Price and fees
- HoneydueHoneydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.As of Nov 3, 2026. Source: support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- HoneydueHoneydue needs no trial: it says it is 100% free for everybody and doesn't block any features with a paywall.As of Nov 3, 2026. Source: support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- HoneydueHoneydue lists iOS and Android.As of Nov 3, 2026. Source: honeydue.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- HoneydueHoneydue has 4.5 out of 5 on the App Store from 10,281 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Honeydue differs from YNAB
Honeydue is free, while YNAB charges from $14.99 a month. Unlike YNAB, with its 34-day trial, Honeydue has no free trial. YNAB also covers the web and Apple Watch, which Honeydue doesn't list. Unlike Honeydue, YNAB includes business money tracking and options for kids. Honeydue's App Store rating is 4.5 from 10,281 ratings, against 4.8 from 62,068 ratings for YNAB. Like YNAB, Honeydue is a budgeting app. As with YNAB, Honeydue syncs with your bank. On shared budgets, investment tracking and joint and individual views, Honeydue matches YNAB. Honeydue gives partners separate logins, the same as YNAB. Honeydue lists email and chat support, which YNAB provides too.
Who it fits
- Honeydue lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Honeydue lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Monarch Money
Budgeting app
Monarch Money is a paid app for budgeting and for tracking your accounts, net worth and goals in one place.
- Price and fees
- Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Monarch Money differs from YNAB
Monarch Money offers 7 free days, against the 34 days YNAB gives you. YNAB also covers Apple Watch, which Monarch Money doesn't list. Unlike Monarch Money, YNAB includes options for kids. Monarch Money doesn't list email and chat support, which YNAB provides. On the App Store, Monarch Money is rated 4.9 from 116,791 ratings, next to YNAB's 4.8 from 62,068 ratings. Like YNAB, Monarch Money is a budgeting app. Monarch Money's lowest listed price is $14.99 a month, which matches YNAB. Monarch Money syncs with your bank, the same as YNAB. On goals, shared budgets, investment tracking, data export, an API or MCP, joint and individual views, shared goals, help with irregular income, business money tracking and exports for tax time, Monarch Money matches YNAB. Like YNAB, Monarch Money gives partners separate logins.
Who it fits
- Monarch Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Monarch Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Monarch Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Origin
Budgeting app
Origin is a paid app for budgeting, tracking your accounts and investments, and asking an AI advisor about your money, with free partner access.
- Price and fees
- OriginOrigin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.As of Nov 12, 2026. Source: support.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- OriginOrigin offers a 7-day free trial on monthly and annual plans, but says the trial is currently unavailable while its $1 for a year promotion runs.As of Nov 12, 2026. Source: support.useorigin.com/hc/en-us/articles/27519866928013-Is-there-a-free-trial-for-both-monthly-and-yearly-membership-plans
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- OriginOrigin lists Web, iOS, Android and Mac.As of Nov 12, 2026. Source: useorigin.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- OriginOrigin has 4.6 out of 5 on the App Store from 4,019 ratings.As of Nov 12, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Origin differs from YNAB
Origin starts at $12.99 a month, while YNAB charges from $14.99 a month. Origin runs on Mac, which YNAB's list leaves out. Origin doesn't list Apple Watch, which YNAB covers. YNAB includes options for kids, which Origin says it doesn't offer. Origin allows up to 2 people on one plan, against YNAB's cap of 6. Origin lists phone support, and YNAB's support list doesn't. YNAB provides chat support, which Origin doesn't list. Origin rates 4.6 from 4,019 ratings on the App Store, where YNAB sits at 4.8 from 62,068 ratings. Origin is a budgeting app, the same kind of app as YNAB. Origin connects to your bank, the same as YNAB. Like YNAB, Origin offers goals, shared budgets, investment tracking, data export, joint and individual views, shared goals and business money tracking. Like YNAB, Origin gives partners separate logins. Like YNAB, Origin lists email support.
Who it fits
- Origin lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Origin lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Origin lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- Origin lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
PocketGuard
Budgeting app
PocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.
- Price and fees
- PocketGuardPocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.As of Nov 3, 2026. Source: pocketguard.com/pricing
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- PocketGuardPocketGuard offers a 7-day free trial.As of Nov 3, 2026. Source: pocketguard.com/pricing
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- PocketGuardPocketGuard lists Web, iOS, Apple Watch and Android.As of Nov 3, 2026. Source: pocketguard.com
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- PocketGuardPocketGuard has 4.6 out of 5 on the App Store from 7,683 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How PocketGuard differs from YNAB
On a yearly plan, PocketGuard lists $74.99 a year, and YNAB charges $109 a year. Against YNAB's $14.99 a month, PocketGuard lists $12.99 a month as its lowest price. You get 7 free days with PocketGuard, and YNAB's trial runs 34. PocketGuard's own pages say it doesn't offer joint and individual views and options for kids, which YNAB includes. YNAB lets each partner sign in on their own, but PocketGuard has partners share one login. PocketGuard rates 4.6 from 7,683 ratings on the App Store, where YNAB sits at 4.8 from 62,068 ratings. PocketGuard and YNAB are both budgeting apps. As with YNAB, PocketGuard syncs with your bank. PocketGuard runs on the web, iPhone, Apple Watch and Android, as YNAB does. PocketGuard offers goals, investment tracking and data export, which YNAB includes too. PocketGuard lists email and chat support, which YNAB provides too.
Who it fits
- PocketGuard lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- PocketGuard lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- PocketGuard lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Quicken Simplifi
Budgeting app
Quicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.
- Price and fees
- SimplifiQuicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.As of Nov 3, 2026. Source: quicken.com/products/simplifi
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- SimplifiQuicken says Simplifi has no free trial, but offers a 30-day money-back guarantee from the original purchase date for subscriptions bought directly from Quicken.As of Nov 3, 2026. Source: support.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- SimplifiQuicken Simplifi lists Web and Mobile.As of Nov 3, 2026. Source: quicken.com/products/simplifi
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- SimplifiQuicken Simplifi has 4.5 out of 5 on the App Store from 11,972 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Simplifi differs from YNAB
Unlike YNAB, with its 34-day trial, Simplifi has no free trial. Unlike Simplifi, YNAB includes joint and individual views and options for kids. Simplifi allows up to 2 people on one plan, where YNAB's cap is 6. Simplifi lists phone support, which isn't on YNAB's support list. Simplifi doesn't list email support, which YNAB provides. Simplifi's App Store rating is 4.5 from 11,972 ratings, against 4.8 from 62,068 ratings for YNAB. Simplifi is a budgeting app, the same kind of app as YNAB. As with YNAB, Simplifi connects to your bank. On goals, shared budgets, investment tracking, data export, shared goals, help with irregular income and exports for tax time, Simplifi matches YNAB. As with YNAB, Simplifi gives partners separate logins. Simplifi lists chat support, which YNAB provides too.
Who it fits
- Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Simplifi lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Simplifi lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Rocket Money
Budgeting app
Rocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.
- Price and fees
- Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.As of Nov 3, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- Rocket MoneyRocket Money says new Premium members get a 7-day free trial, then the monthly subscription continues at the price chosen at signup.As of Nov 3, 2026. Source: help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- Rocket MoneyRocket Money lists iOS, Android and Web.As of Nov 3, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- Rocket MoneyRocket Money has 4.5 out of 5 on the App Store from 404,690 ratings.As of Nov 3, 2026. Source: App Store listing
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Rocket Money differs from YNAB
YNAB's listed prices are all for paid plans, while Rocket Money also has a free version. You get 7 free days with Rocket Money, and YNAB's trial runs 34. Rocket Money doesn't list Apple Watch, which YNAB covers. Unlike Rocket Money, YNAB includes joint and individual views, help with irregular income and options for kids. Rocket Money allows up to 2 people on one plan, where YNAB's cap is 6. Rocket Money's App Store rating is 4.5 from 404,690 ratings, against 4.8 from 62,068 ratings for YNAB. Like YNAB, Rocket Money is a budgeting app. Like YNAB, Rocket Money connects to your bank. On goals, shared budgets, investment tracking, data export, shared goals, business money tracking and exports for tax time, Rocket Money matches YNAB. As with YNAB, Rocket Money gives partners separate logins. Rocket Money lists email and chat support, which YNAB provides too.
Who it fits
- Rocket Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Rocket Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Rocket Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Our appFifecta
Budgeting app
Fifecta is the Priceless Tay budgeting app that gives every paycheck a plan with FUNDS, built on your Money Type.
- Price and fees
- FifectaFifecta costs $15 a month or $150 a year.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- FifectaFifecta is free for 7 days, and you can cancel anytime in the app.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- FifectaFifecta lists Web, iPhone (home screen install) and Android (home screen install).As of Nov 3, 2026. Source: pricelesstay.com/fifecta
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- FifectaWeb app, not in app stores.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Fifecta differs from YNAB
On a yearly plan, Fifecta lists $150 a year, and YNAB charges $109 a year. Fifecta starts at $15 a month, while YNAB charges from $14.99 a month. Against YNAB's 34-day trial, Fifecta offers 7 days. Where YNAB keeps your bank in sync, Fifecta lets you skip bank sync. YNAB includes options for kids, which Fifecta says it doesn't offer. Fifecta allows up to 2 people on one plan, against YNAB's cap of 6. YNAB provides email and chat support, which Fifecta doesn't list. Like YNAB, Fifecta is a budgeting app. Like YNAB, Fifecta offers goals, shared budgets, investment tracking, data export, an API or MCP, joint and individual views, shared goals, help with irregular income, business money tracking and exports for tax time.
Who it fits
- Fifecta lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Fifecta lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Fifecta lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
AI money tools
- Nearby category
Actual Budget
AI money tool
Actual Budget is an open source, local-first budgeting app built on envelope budgeting that you can self-host.
- Price and fees
- Actual BudgetActual is free and open source, and its desktop apps run locally.As of Nov 3, 2026. Source: github.com/actualbudget/actual
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- Actual BudgetActual needs no trial: it says it is 100% free and open source.As of Nov 3, 2026. Source: github.com/actualbudget/actual
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- Actual BudgetActual Budget lists Windows, macOS and Linux.As of Nov 3, 2026. Source: actualbudget.org/download
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- Actual BudgetDesktop and web app; its official iOS app is in beta testing on TestFlight and there is no official Android app yet.As of Nov 3, 2026. Source: actualbudget.org/docs/faq
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Actual Budget differs from YNAB
YNAB and Actual Budget sit in different categories: Actual Budget is an AI money tool. Where YNAB charges from $14.99 a month, Actual Budget is free. Actual Budget has no free trial, while YNAB gives you 34 days. Beyond what YNAB covers, Actual Budget also runs on Windows, Mac and Linux. Actual Budget doesn't list the web, iPhone, Android, iPad and Apple Watch, which YNAB covers. YNAB provides email and chat support, which Actual Budget doesn't list. Actual Budget links your bank accounts, the same as YNAB. Actual Budget offers goals, shared budgets, investment tracking, data export, an API or MCP and joint and individual views, which YNAB includes too. Actual Budget gives partners separate logins, the same as YNAB.
Who it fits
- Actual Budget lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Actual Budget lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Actual Budget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Nearby category
Finances in ChatGPT
AI money tool
Finances is a built-in ChatGPT feature that links your bank accounts through Plaid and shows a money dashboard in ChatGPT.
- Price and fees
- Finances in ChatGPTOpenAI lists Finances for U.S. Free, Go, Plus and Pro users.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
- Free trial
- Finances in ChatGPTFinances needs no trial: OpenAI says it is available in the U.S. to Free, Go, Plus, and Pro users.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
- Platforms
- Finances in ChatGPTFinances in ChatGPT lists Web, iOS and Android.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
- App store rating
- Finances in ChatGPTFeature inside the ChatGPT app.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
How Finances in ChatGPT differs from YNAB
Unlike YNAB, which is a budgeting app, Finances in ChatGPT is an AI money tool. Unlike YNAB, with its 34-day trial, Finances in ChatGPT has no free trial. Finances in ChatGPT's platform list leaves out Apple Watch, which YNAB covers. Finances in ChatGPT doesn't list email support, which YNAB provides. As with YNAB, Finances in ChatGPT connects to your bank. On goals and investment tracking, Finances in ChatGPT matches YNAB. Finances in ChatGPT lists chat support, which YNAB provides too.
Who it fits
- Finances in ChatGPT lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Finances in ChatGPT lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Finances in ChatGPT lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
Who YNAB and its alternatives are for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
As of . Source: ynab.com
Albert: Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
As of . Source: help.albert.com
Cleo: Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.
As of . Source: web.meetcleo.com
Copilot Money: Copilot Money costs $13 a month, or $95 a year billed yearly.
As of . Source: copilot.money
EveryDollar: EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
As of . Source: everydollar.com
Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
As of . Source: goodbudget.com
Honeydue: Honeydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
As of . Source: support.honeydue.com
Monarch Money: Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
As of . Source: monarch.com
Origin: Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.
As of . Source: support.useorigin.com
PocketGuard: PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
As of . Source: pocketguard.com
Simplifi: Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.
As of . Source: quicken.com
Rocket Money: Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
As of . Source: rocketmoney.com
Fifecta: Fifecta costs $15 a month or $150 a year.
As of . Source: pricelesstay.com
Actual Budget: Actual is free and open source, and its desktop apps run locally.
As of . Source: github.com
Finances in ChatGPT: OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.
As of . Source: help.openai.com
Does it connect to my bank and import transactions?
YNAB: Yes. YNAB lets you connect your accounts and import transactions.
As of . Source: ynab.com
Albert: Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions.
As of . Source: albert.com
Cleo: Yes. Cleo's App Store listing says features like Money IQ need at least one bank account connected to the Cleo app.
As of . Source: apps.apple.com
Copilot Money: Yes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.
As of . Source: help.copilot.money
EveryDollar: Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.
As of . Source: ramseysolutions.com
Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
As of . Source: goodbudget.com
Honeydue: Yes. Honeydue says it supports over 20,000 financial institutions across 5 countries, from bank accounts and loans to investments.
As of . Source: honeydue.com
Monarch Money: Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.
As of . Source: monarch.com
Origin: Yes. Origin says you can connect to over 11,000 financial institutions.
As of . Source: useorigin.com
PocketGuard: Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.
As of . Source: pocketguard.com
Simplifi: Yes. Quicken says Simplifi connects to over 14k financial institutions.
As of . Source: quicken.com
Rocket Money: Yes. Rocket Money says it connects to your accounts through Plaid.
As of . Source: rocketmoney.com
Fifecta: Optional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.
As of . Source: pricelesstay.com
Actual Budget: Yes. Actual has built-in bank syncing through goCardless in the EU and UK and SimpleFIN in the US and Canada.
As of . Source: actualbudget.org
Finances in ChatGPT: Yes. OpenAI says Finances connects bank accounts through Plaid and credit through Experian, as separate connections.
As of . Source: help.openai.com
Is there support from the app's makers if I need help?
YNAB: Yes. Chatbot with human handoff and email.
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!”
As of . Source: support.ynab.com
Albert: Yes. Virtual assistant chat, live agent over text or email and phone (support options and voicemail).
In their words: “You can always ask to transfer to a live support agent to get continued support over text or email. Call us at (844) 891-9309 to listen to support options over the phone or leave a voicemail.”
As of . Source: help.albert.com
Cleo: Yes. In-app chat (Ask Cleo) and email.
In their words: “the fastest way to get help is in Ask Cleo.”
As of . Source: web.meetcleo.com
Copilot Money: Yes. In-app chat and email.
In their words: “Still have questions? Contact us in the app or at support@copilot.money.”
As of . Source: help.copilot.money
EveryDollar: Yes. Live person (free) and coaching (premium).
In their words: “Get support from a live person if you need help.”
As of . Source: ramseysolutions.com
Goodbudget: Yes. Community (Free) and email (Premium).
In their words: “Email support”
As of . Source: goodbudget.com
Honeydue: Yes. Email and in-app chat.
In their words: “You can email us at support@honeydue.com about any concerns, bugs, or suggestions.”
As of . Source: support.honeydue.com
Monarch Money: Yes. In-app help (instant answer) and support ticket.
In their words: “Click Contact Support to get an instant answer or submit a ticket.”
As of . Source: help.monarch.com
Origin: Yes. AI bot with a team member on request (app and web), scheduled phone call and email.
In their words: “Prefer to speak to someone directly? Schedule a call with our Support team at a time that works for you.”
As of . Source: support.useorigin.com
PocketGuard: Yes. Email, AI chat and priority human support (paid plan).
In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.”
As of . Source: pocketguard.com
Simplifi: Yes. Live chat, phone and community.
In their words: “You can reach out to our support team via chat, phone, or the Quicken Simplifi Community, each with specific hours.”
Rocket Money: Yes. In-app chat and email.
In their words: “However, as we are an app-based service, all our support is currently provided digitally.”
As of . Source: help.rocketmoney.com
Fifecta: Yes. Contact form.
In their words: “Questions about these terms? Use our contact form.”
As of . Source: pricelesstay.com
Actual Budget: Yes. Community Discord (#support channel) and GitHub issues.
In their words: “For questions about installing or using Actual, join our Discord and make a new post in the #support channel”
As of . Source: actualbudget.org
Finances in ChatGPT: Yes. Chat (OpenAI Help Center).
In their words: “Need more help? Contact us for product questions, account support and general troubleshooting.”
As of . Source: help.openai.com
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.
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
What are the closest alternatives to YNAB?
The closest alternatives to YNAB are Albert, Cleo and Copilot Money, because Albert, Cleo and Copilot Money are also budgeting apps. This list is ordered by how close each app's category is to YNAB's, not by how good it is.
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 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.
What is YNAB's app store rating?
YNAB has 4.8 out of 5 on the App Store from 62,068 ratings. That's a snapshot from the store listing on Nov 3, 2026, not our score.
Keep comparing
- Read our YNAB review.
- 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
- 89 facts, each linked and dated
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
Albert6 sourced facts, last checked Nov 12, 2026
- Price and feeshelp.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost, as of Nov 12, 2026
- Free trialalbert.com, as of Nov 12, 2026
- Platformsalbert.com, as of Nov 12, 2026
- Bank syncingalbert.com/about/budgeting, as of Oct 29, 2026
- Featuresalbert.com/about/genius, as of Oct 29, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
Cleo5 sourced facts, last checked Nov 12, 2026
- Price and feesweb.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options, as of Nov 3, 2026
- Platformsmeetcleo.com, as of Nov 12, 2026
- Bank syncingApp Store listing, as of Nov 3, 2026
- FeaturesApp Store listing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
Copilot Money6 sourced facts, last checked Nov 3, 2026
- Price and feescopilot.money, as of Nov 3, 2026
- Free trialcopilot.money, as of Nov 3, 2026
- Platformscopilot.money, as of Nov 3, 2026
- Bank syncinghelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, as of Nov 3, 2026
- Featurescopilot.money, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
EveryDollar6 sourced facts, last checked Nov 3, 2026
- Price and feeseverydollar.com, as of Nov 3, 2026
- Free trialeverydollar.com, as of Nov 3, 2026
- Platformsramseysolutions.com/money/everydollar, as of Nov 3, 2026
- Bank syncingramseysolutions.com/money/everydollar, as of Nov 3, 2026
- Featuresramseysolutions.com/money/everydollar, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
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
Honeydue6 sourced facts, last checked Nov 3, 2026
- Price and feessupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Nov 3, 2026
- Free trialsupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Nov 3, 2026
- Platformshoneydue.com, as of Nov 3, 2026
- Bank syncinghoneydue.com/how-it-works, as of Nov 3, 2026
- Featureshoneydue.com/how-it-works, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Monarch Money6 sourced facts, last checked Nov 3, 2026
- Price and feesmonarch.com/pricing, as of Nov 3, 2026
- Free trialmonarch.com/pricing, as of Nov 3, 2026
- Platformsmonarch.com, as of Nov 3, 2026
- Bank syncingmonarch.com, as of Nov 3, 2026
- Featuresmonarch.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Origin6 sourced facts, last checked Nov 12, 2026
- Price and feessupport.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan, as of Nov 12, 2026
- Free trialsupport.useorigin.com/hc/en-us/articles/27519866928013-Is-there-a-free-trial-for-both-monthly-and-yearly-membership-plans, as of Nov 12, 2026
- Platformsuseorigin.com, as of Nov 12, 2026
- Bank syncinguseorigin.com/couples, as of Oct 29, 2026
- Featuresuseorigin.com, as of Oct 29, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
PocketGuard6 sourced facts, last checked Nov 3, 2026
- Price and feespocketguard.com/pricing, as of Nov 3, 2026
- Free trialpocketguard.com/pricing, as of Nov 3, 2026
- Platformspocketguard.com, as of Nov 3, 2026
- Bank syncingpocketguard.com, as of Nov 3, 2026
- Featurespocketguard.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Quicken Simplifi6 sourced facts, last checked Nov 3, 2026
- Price and feesquicken.com/products/simplifi, as of Nov 3, 2026
- Free trialsupport.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions, as of Nov 3, 2026
- Platformsquicken.com/products/simplifi, as of Nov 3, 2026
- Bank syncingquicken.com/products/simplifi, as of Nov 3, 2026
- Featuresquicken.com/products/simplifi, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Rocket Money6 sourced facts, last checked Nov 3, 2026
- Price and feesrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Free trialhelp.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost, as of Nov 3, 2026
- Platformsrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Bank syncingrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Featuresrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
FifectaOur app6 sourced facts, last checked Nov 3, 2026
- Price and feespricelesstay.com/fifecta, as of Nov 3, 2026
- Free trialpricelesstay.com/fifecta, as of Nov 3, 2026
- Platformspricelesstay.com/fifecta, as of Nov 3, 2026
- Bank syncingpricelesstay.com/fifecta, as of Nov 3, 2026
- Featurespricelesstay.com/fifecta-ai, as of Nov 3, 2026
- App store ratingpricelesstay.com/fifecta, as of Nov 3, 2026
Actual Budget6 sourced facts, last checked Nov 3, 2026
- Price and feesgithub.com/actualbudget/actual, as of Nov 3, 2026
- Free trialgithub.com/actualbudget/actual, as of Nov 3, 2026
- Platformsactualbudget.org/download, as of Nov 3, 2026
- Bank syncingactualbudget.org, as of Nov 3, 2026
- Featuresactualbudget.org/docs/tour/accounts, as of Nov 3, 2026
- App store ratingactualbudget.org/docs/faq, as of Nov 3, 2026
Finances in ChatGPT6 sourced facts, last checked Nov 3, 2026
- Price and feeshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
- Free trialhelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
- Platformshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
- Bank syncinghelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
- Featureshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
- App store ratinghelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Nov 3, 2026
Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
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.
