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Alternatives

YNAB alternatives in 2026

Updated

YNAB logoYNABBudgeting app

YNAB is a budgeting app. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked that on Oct 24, 2026. Below are 6 other apps, starting with the 4 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.

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Short answer

The closest alternatives to YNAB are Copilot Money, EveryDollar and Simplifi, because Copilot Money, EveryDollar and Simplifi are also budgeting apps. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked YNAB on Oct 24, 2026, and each card below puts an alternative's price, trial, platforms and ratings next to YNAB's, with the date we checked them.

Alternatives to YNAB, closest category first

Each card puts the app's facts next to YNAB's. The order follows how close the category is, not how good the app is, and “Not verified yet” means we don't have a current official source for that line.

Other budgeting apps

  • Copilot Money logo

    Copilot Money

    Budgeting app

    Same category

    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 Oct 24, 2026. Source: copilot.money
    YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 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 Oct 24, 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 Oct 24, 2026. Source: ynab.com/pricing
    Platforms
    Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money
    YNABNot verified yet.
    App store rating
    Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing
    YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing
  • EveryDollar logo

    EveryDollar

    Budgeting app

    Same category

    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 Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
    Free trial
    EveryDollarEveryDollar premium starts with a 14-day free trial for new users.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
    Platforms
    EveryDollarEveryDollar lists iOS, Android and Computer.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar
    YNABNot verified yet.
    App store rating
    EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings.As of Oct 24, 2026. Source: App Store listing
    YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

    Who it fits

    • 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.

    • Quicken Simplifi

      Budgeting app

      Same category

      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 22, 2026 see a first-year offer of $3.99 a month, billed annually.As of Oct 24, 2026. Source: quicken.com/products/simplifi
      YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
      Free trial
      SimplifiNot verified yet.
      YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
      Platforms
      SimplifiQuicken Simplifi lists Web and Mobile.As of Oct 24, 2026. Source: quicken.com/products/simplifi
      YNABNot verified yet.
      App store rating
      SimplifiNot verified yet.
      YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

      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.

      • Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

        Fifecta

        Budgeting app

        Our 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 Oct 23, 2026. Source: pricelesstay.com/fifecta
        YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
        Free trial
        FifectaFifecta is free for 7 days, and you can cancel anytime in the app.As of Oct 23, 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 Oct 24, 2026. Source: ynab.com/pricing
        Platforms
        FifectaNot verified yet.
        YNABNot verified yet.
        App store rating
        FifectaNot verified yet.
        YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

      AI money tools

      • Actual Budget logo

        Actual Budget

        AI money tool

        Nearby category

        Actual Budget is an open source, local-first budgeting app built on envelope budgeting that you can self-host.

        Price and fees
        Actual BudgetNot verified yet.
        YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
        Free trial
        Actual BudgetNot verified yet.
        YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
        Platforms
        Actual BudgetNot verified yet.
        YNABNot verified yet.
        App store rating
        Actual BudgetNot verified yet.
        YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

        Who it fits

        • Actual Budget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

      • Finances in ChatGPT

        AI money tool

        Nearby category

        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 Oct 10, 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 Oct 24, 2026. Source: ynab.com/pricing
        Free trial
        Finances in ChatGPTNot verified yet.
        YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
        Platforms
        Finances in ChatGPTFinances in ChatGPT lists Web, iOS and Android.As of Oct 10, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
        YNABNot verified yet.
        App store rating
        Finances in ChatGPTNot verified yet.
        YNABYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

        Who it fits

        • Finances in ChatGPT lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

      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.”
      App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

      Critical

      “I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
      u/trambalambo in r/FPandA on Reddit, . Read it on Reddit.

      Critical

      “Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
      mpyne on Hacker News, . Read it on Hacker News.
      Where these come from

      FAQ

      What are the closest alternatives to YNAB?

      The closest alternatives to YNAB are Copilot Money, EveryDollar and Simplifi, because Copilot Money, EveryDollar and Simplifi 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 Oct 24, 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 Oct 24, 2026.

      What is YNAB's app store rating?

      YNAB has 4.8 out of 5 on the App Store from 61,968 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

      Keep comparing

      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.

      Try Fifecta free

      Sources and dates

      This is education, not financial advice.