
However, if you’re looking for a solution that requires less time investment (i.e., checking your budget daily), YNAB might not be right for you. I don’t find keeping YNAB up to date to be an arduous task. If that’s the case, great! YNAB works on a very granular level, whereby you will allocate all of your income to a purpose. Second, perhaps you’ve been budgeting for a while and feel that you have things reasonably well under control. However, if money is tight, this might be a steep price to pay, especially when viable, free (or cheaper) alternatives are available. I remain convinced that you will save far more than the cost of YNAB.

I am often asked if YNAB is worth the money. It costs $11.99 per month for the monthly plan or $84 per year for the annual plan. Wondering how much YNAB costs? Instead, You Need a Budget operates on a subscription model.

Some reasons to consider an alternative to YNAB include: Price

While YNAB has been a real game-changer for me ( helping me save over $1,500 per month), it’s not right for everybody. YNAB Alternatives: A Summary Why Seek a YNAB Alternative?īefore I cover these five alternatives to YNAB, let’s talk about why you may want to consider a YNAB alternative.
