YNAB Alternatives
7 Tools Like YNAB
Quick answer: Top YNAB alternatives include Monarch Money, Copilot Money and Empower. For open source, look at Actual Budget. Empower and Rocket Money are free or have free plans.
YNAB is zero-based budgeting software.
People look for YNAB alternatives because of its subscription price or a different budgeting style.
- 7 alternatives
- 5 with a free plan
- 1 open source
- 1 self-hostable
The best YNAB alternatives
#1Monarch Money
monarchmoney.com
Budgeting and net-worth tracking for individuals and couples.
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In Monarch Money’s own words: “Manage your money with Monarch. Track accounts, build budgets, monitor investments, plan goals, and get a clearer view of your finances in one app.”
People switching from Quicken, Mint and YNAB often consider Monarch Money.
#2Copilot Money
copilot.money
Beautiful budgeting and investment tracking for Apple users.
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In Copilot Money’s own words: “Track spending, budgets, investments & net worth all in one beautifully designed place. The personal finance app powered by smart automation and built with privacy at the center. Available on Web, iPhone, Mac & iPad. Start your 1-month free trial today!”
Copilot Money runs on Mac.
People switching from Quicken, Mint and YNAB often consider Copilot Money.
#3Empower
empower.com
Free net-worth and investment tracking dashboard.
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In Empower’s own words: “Our vision is to transform financial lives through advice, people and technology. Our mission is to empower financial freedom for all.”
Empower has a free plan.
People switching from Quicken, Mint and YNAB often consider Empower.
#4Rocket Money
rocketmoney.com
Budgeting and subscription cancellation.
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In Rocket Money’s own words: “Rocket Money is a subscription manager that helps find and cancel unwanted subscriptions, and helps you create a custom budget to track monthly spending and expenses.”
Rocket Money has a free plan.
People switching from Quicken, Mint and YNAB often consider Rocket Money.
#5Goodbudget
goodbudget.com
Envelope budgeting, shared between partners.
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In Goodbudget’s own words: “Budget with a why Spend, save, and give toward what’s important in life create your goodbudget Budget tracking app available on How it works How it works Goodbudget is a budget tracker for the modern age. Say no more to carrying paper envelopes. This virtual budget program keeps you on track with family and friends ...”
Goodbudget has a free plan.
People switching from YNAB often consider Goodbudget.
#6EveryDollar
ramseysolutions.com
Zero-based budgeting from Ramsey Solutions.
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In EveryDollar’s own words: “EveryDollar is Dave Ramsey’s zero-based budgeting app. Track spending, find margin, and make real progress with your money. Start for free.”
EveryDollar has a free plan.
People switching from YNAB often consider EveryDollar.
#7Actual Budget
actualbudget.org
Free, open-source, local-first envelope budgeting.
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In Actual Budget’s own words: “Actual Budget is a super fast and privacy-focused app for managing your finances. At its heart is the well proven and much loved Envelope Budgeting methodology.”
Actual Budget is open source, is free to use and can be self-hosted.
People switching from YNAB often consider Actual Budget.
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Frequently asked questions
What are the best YNAB alternatives?
Popular YNAB alternatives include Monarch Money, Copilot Money and Empower. The best choice depends on whether you need a free plan, open-source software or specific features.
Is there a free alternative to YNAB?
Yes. Empower, Rocket Money, Goodbudget and EveryDollar are free or have free plans.
Is there an open-source alternative to YNAB?
Yes — Actual Budget is open source.
Why do people look for YNAB alternatives?
People look for YNAB alternatives because of its subscription price or a different budgeting style.
More finance & payments alternatives
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