Best YNAB alternatives: apps like YNAB

10+ similar apps compared and reviewed

4.7 avg rating
10 free apps
Updated November 2026

Whether you want more options like YNAB or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to YNAB

Goodbudget Budget Planner#1

Goodbudget Budget Planner by Dayspring Technologies

Money & Expense Tracker
Editor's Choice
πŸ’° Finance
4.6😊(14K ratings)
FreeIn-App Purchases
#65in Finance
Goodbudget Budget Planner screenshot 1
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Goodbudget Budget Planner screenshot 3
Goodbudget Budget Planner screenshot 4
Goodbudget Budget Planner screenshot 5
Goodbudget Budget Planner screenshot 6

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

What We Love

  • πŸ’» Excellent app for tracking and managing finances
  • 🀝 Great for couples and families to manage budgets together
  • πŸ“ˆ Helpful envelope system and budgeting tools
  • πŸ•°οΈ Ability to schedule recurring payments and income
  • πŸ—“οΈ Useful for budgeting by pay period instead of monthly
  • 🧠 Encourages mindful spending and financial discipline
  • 🧭 Provides good visibility into spending categories

Room to Improve

  • πŸ” Confusing or unintuitive interface for some users
  • πŸ’° Paid subscription seen as too expensive by some
  • πŸ› Occasional bugs, crashes, and syncing issues reported
  • πŸ”’ Limited free version with only 10 envelopes
  • πŸ” Difficulty making changes to existing budgets
  • πŸ” Lack of automatic transaction importing/syncing
PocketGuard - Budget App#2

PocketGuard - Budget App by PocketGuard, Inc.

Plan Budget, Track spending
Strong Contender
πŸ’° Finance
4.6😐(7.7K ratings)
FreeAdsIn-App Purchases
#49in Finance
PocketGuard - Budget App screenshot 1
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PocketGuard - Budget App screenshot 6

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

What We Love

  • πŸš€ Efficient app that helps track spending
  • πŸ‘ Customizable budgeting categories
  • πŸš€ Real-time transaction updates
  • πŸ‘ Intuitive and user-friendly interface
  • πŸš€ Helpful for getting finances under control
  • πŸ‘ Responsive customer support

Room to Improve

  • πŸ› Recurring issues with bank account syncing
  • πŸ”’ Security concerns with 2FA/MFA requirements
  • 🚫 Lack of support for certain banks/credit cards
  • πŸ’° Expensive subscription model
  • πŸ› Buggy app performance and frequent crashes
  • πŸ€” Confusing budgeting features and layout
Monarch: Budget & Track Money#3

Monarch: Budget & Track Money by Monarch Money, Inc.

Spending, Net Worth, Investing
Worth Considering
πŸ’° Finance
4.9😊(117K ratings)
FreeIn-App Purchases
#7in Finance
Monarch: Budget & Track Money screenshot 1
Monarch: Budget & Track Money screenshot 2
Monarch: Budget & Track Money screenshot 3
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Monarch: Budget & Track Money screenshot 5
Monarch: Budget & Track Money screenshot 6

Consolidate all your financial accounts into a single, intuitive dashboard. Track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals with actionable insights.

What We Love

  • πŸ’» Extremely customizable
  • 🀝 Great for couples
  • πŸ” Comprehensive budgeting and net worth tracking
  • πŸ“ˆ Excellent data visualization
  • πŸš€ Intuitive and user-friendly interface
  • πŸ†• Frequent updates and new features
  • πŸ”’ Secure and ad-free experience
  • 🎨 Clean and modern design

Room to Improve

  • πŸ” Recurring account disconnection issues
  • πŸ‡¨πŸ‡¦ Limited support for Canadian users
  • πŸ’° Expensive subscription cost
  • πŸ•°οΈ Slow transaction updates
  • πŸ› Bugs and data inconsistencies
  • 🚫 Lack of live support and slow response times

More apps like YNAB

4
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Spending, investing, net worth
Free

Manage your finances with an all-in-one app that tracks spending, plans budgets, and monitors investments. Features an AI assistant to surface financial opportunities and offers bank-level security with no ads or data selling.

AI financial assistantCross-device sync (Web, iPhone, Mac, iPad)Connect to thousands of financial institutions
πŸ’° Finance
(31K)
free with in-app purchases
5
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Bill Tracker & Money Manager
Free

Manage your finances by creating budgets, tracking expenses, and viewing detailed overviews of your income and savings. Collaborate on shared budgets with friends and family, and easily settle up any shared costs.

Budget creation and trackingExpense and income monitoringShared budgets for groups
πŸ’° Finance
(9.6K)
freemium
6
Quicken: Budget & Track Money
Quicken: Budget & Track Money
Quicken: Budget & Track Money
Investing, Spending, Net Worth
Free

Manage personal and business finances in one app. Track income, expenses, and investments, create budgets, and monitor spending. Business features include invoicing and tax preparation tools.

Connect and track financial accountsCreate custom budgets and spending plansSet savings goals and track debt payoff
πŸ’° Finance
(12K)
free with in-app purchases
7
Budget Bestie
Budget Bestie
Budget Bestie
easy envelope based budgeting
Free

This app helps you manage your money using the cash stuffing method, digitally. It guides you through creating expense envelopes, allocating funds, and tracking spending to meet savings goals. Get reminders for bills and budget according to your pay schedule.

Digital cash stuffing methodCustomizable expense envelopesAutomated spending tracking
πŸ’° Finance
(3.2K)
free with in-app purchases
8
Budget app - spending tracker
Budget app - spending tracker
Budget app - spending tracker
Budget planner & money tracker
Free

This personal finance app helps you track spending, plan budgets, and save money to achieve financial freedom. It offers features like AI-powered tracking, shared budgeting, and detailed stats to understand your financial habits.

Budget PlannerSpending TrackerMoney Management
πŸ’° Finance
(16K)
free with in-app purchases
9
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Money Manager & Bill Organizer
Free

This app simplifies budgeting by converting all your finances into a single weekly Safe-to-Spend amount. It syncs with over 10,000 U.S. banks and helps you track bills and savings goals without complex categories.

Single weekly Safe-to-Spend amountAutomatic bank syncing via PlaidBill calendar with due date reminders
πŸ’° Finance
(3.8K)
freemium
10
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
πŸ’° Finance
(126K)
free with in-app purchases