Side by side
My Expense Book vs YNAB
Both stand on personal finance software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan Web
My Expense Book combines everyday finance records, planning, reports, and shared-bill tools in a no-cost web app. Manual syncing is the main operational limitation for users expecting automatic account updates.
Visit My Expense Book
Free trial AndroidAPIiPhone+1
YNAB offers a broad budgeting workflow with bank imports, goals, reports, and debt planning across major platforms. The subscription cost and currency limitation matter most for prospective users.
Visit YNABThe facts
| My Expense Book | YNAB | |
|---|---|---|
| Free plan | Yes | A free trial |
| Open source | Not published | Not published |
| Runs on | Web | Android, API, iPhone, Web |
| Lowest paid plan | Free or on request | Annual Plan: $109 a year |
| Plans published | 1 | 4 |
| Maker | Not published | YNAB |
| Website | myexpensebook.com | ynab.com |
| On personal finance software | #128 of 181 | #124 of 181 |
My Expense Book: what it does well
- Free Forever plan costs nothing
- Tracks expenses, income, budgets, and savings goals
- Splits household and shared bills
- Supports multiple account types
- Provides reports, backups, and CSV export
What to know first
- Account syncing is manual
- No free trial is offered
- Available through the web only
YNAB: what it does well
- Real-time synchronization across devices
- Budgeting, bills, and net-worth tracking
- 34-day trial without a card
- Supports file import outside direct-bank regions
- One subscription can cover six people
What to know first
- No free plan
- Cannot combine currencies in one spending plan
- Direct import covers only select banks
- API support does not include detailed coding help
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