Best YNAB Alternatives in 2026
Updated
20 apps from personal finance software ranked against YNAB on the same published basis.
- 1YNAB vs SoFi
- 2YNAB vs PocketSmith
- 3YNAB vs GnuCash
- 4YNAB vs EveryDollar
- 5YNAB vs MoneyPatrol
- 6YNAB vs Money Manager Ex
- 7YNAB vs Rocket Money
- 8YNAB vs Zaim
- 9YNAB vs ClearCheckbook
- 10YNAB vs Actual Budget
- 11YNAB vs Emma
- 12YNAB vs Talvo
- 13YNAB vs Fireball
- 14YNAB vs TimelyBills
- 15YNAB vs WeMoney
- 16YNAB vs dLedger
- 17YNAB vs Finlynq
- 18YNAB vs Klera
- 19YNAB vs Bluecoins
- 20YNAB vs HomeBank
YNAB alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | SoFi | 8.3 | Free plan | — | Android, iOS, Mac, Web, Windows |
| 2 | PocketSmith | 8.3 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 3 | GnuCash | 8.0 | Free plan | Free | Linux, Mac, Windows |
| 4 | EveryDollar | 8.0 | Free plan | $17.99/mo | Web, iOS, Android |
| 5 | MoneyPatrol | 8.0 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 6 | Money Manager Ex | 8.0 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 7 | Rocket Money | 7.9 | Free plan | Free | Web, iOS, Android |
| 8 | Zaim | 7.9 | Free plan | Free | Web, iOS, Android |
| 9 | ClearCheckbook | 7.9 | Free plan | $2.49/mo | Web, iOS, Android |
| 10 | Actual Budget | 7.9 | Free plan | Free | Web, Windows, Mac, Linux |
| 11 | Emma | 7.8 | Free plan | £4.99/mo | Web, iOS, Android |
| 12 | Talvo | 7.7 | Free plan | €6/mo | Web, iOS, Android |
| 13 | Fireball | 7.7 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 14 | TimelyBills | 7.7 | Free plan | $2.08/mo | iOS, Android |
| 15 | WeMoney | 7.7 | Free plan | $9.99/mo | Web, iOS, Android |
| 16 | dLedger | 7.7 | Free plan | Free | Web, Windows, Mac, Linux |
| 17 | Finlynq | 7.6 | Free plan | Free | Web, iOS, Android |
| 18 | Klera | 7.6 | Free plan | ₹30/mo | iOS, Android |
| 19 | Bluecoins | 7.5 | Free plan | Free | iOS, Android |
| 20 | HomeBank | 7.5 | Free plan | Free | Windows, Linux, Mac |
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Questions about YNAB alternatives
What is the best alternative to YNAB?
SoFi, number 1 in personal finance software with a score of 8.3 out of 10. The others here: PocketSmith, GnuCash, EveryDollar and 16 more.
What is the best free alternative to YNAB?
SoFi is the best-ranked alternative with a free plan. 20 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.