10+ YNAB Alternatives and Competitors



8.4 User Rating
$7.6 M Revenue
109+ No of Employees
2004 Founded
SaaS Industry
Financial Management Category
Jesse Mecham CEO

You Need a Budget or YNAB is a software that has been helping many people save money since 2004. The developers of YNAB understand the importance of budgeting, especially in today’s world where the cost of living is getting more expensive. And so they launched YNAB in 2004 with tools for effective budgeting. Although YNAB isn’t a powerhouse name in the SaaS industry, it has users from all over the world.


Logo Name Sort Rating Sort CEO Pricing Sort Founded Sort Revenue Sort Employees Sort Location Sort Reviews Sort Customers Sort
Microsoft Personal Finance Microsoft Personal Finance 9.5 Satya Nadella N/A 2015 N/A 54+
Redmond 1978+ Reviews
120M +
Quicken Personal Finance Quicken Personal Finance 9.2 Jay Farner $34.99 1985 $5 M
3700+ Reviews
Mint Financial Management Mint Financial Management 9.2 Aaron Patzer $16.99 2006 $15 M
California 2300+ Reviews
20M +
Kissflow Financial Management Kissflow Financial Management 9 Suresh Sambandam $450 2012 $9 M
Chennai 4800+ Reviews
10K +
Quickbooks Financial Management Quickbooks Financial Management 9 Sasan Goodarzi $22 1983 $16.7 M
California 2300+ Reviews
2M +
Sage Intacct Financial Management Sage Intacct Financial Management 9 Robert Reid N/A 1999 $67 M
California 1200+ Reviews
11K +
Oracle Financials Cloud Oracle Financials Cloud 8.9 Safra Catz $175 2011 $39.5 B
‎Redwood City 4500+ Reviews
22K +
Zoho Finance Plus Zoho Finance Plus 8.9 Sridhar Vembu N/A 1996 $600 M
Chennai 1989+ Reviews
45M +
SAS Financial Management SAS Financial Management 8.9 James Goodnight N/A 1976 $3.3 B
Cary 1787+ Reviews
83K +
FreshBooks Financial Management FreshBooks Financial Management 8.5 Mike McDerment $6 2003 $50 M
Toronto 1500+ Reviews
24M +


Monthly Plan
Annual Plan

Key Employees

Brady HoltBrady HoltSoftware Developerhttps://www.linkedin.com/in/bradymholt
Tristan Henry-WilsonTristan Henry-WilsonMotion Designerhttps://www.linkedin.com/in/thewhiteleaf


“ Good program, well designed app, takes a lot of manual work ”

8/10 (overall) - Travisse H
  • It’s like a calorie tracker – if you enter your expenses manually each day you’re automatically more aware of them which helps you control them.
  • You Need A Budget helped me get through difficult times by helping me make a budget.
  • All the manual entry – though that’s kind of the point of it. It’s beautifully designed and user friendly
  • I ultimately just decided I didn’t want to do the manual work to be consistent with it.

“ great for business and personal finance tracking ”

9.5/10 (overall) - Verified reviewer
  • The flexibility and variety of expenses that could be added
  • I like that you can set up multiple budgets
  • I wish i could have seen a projection to various dates according to salary, dept payments, etc.
  • The auto syncing sometimes is problematic

“ YNAB keeps me focused. ”

9/10 (overall) - Keith W
  • YNAB organizes my spending. I can see how much I have left to spend in each category.
  • I can keep track of loans I’ve made to people. I can see how much money I set aside for the IRS. It syncs with my bank account, so it’s low maintenance.
  • There is a bit of a learning curve. YNAB is based on the envelope method of budgeting. You only budget money that you have and you budget all of it when you get it.
  • That’s the fun part. Credit cards and loans are confusing to set up. Categorizing can be tedious, if you have a lot of transactions.


  • Access Control
  • Analytics
  • API
  • Accounting Intergration
  • Agile Software Development
  • Application Integration
  • Billing & Invoicing
  • Campaign Analysis
  • Campaign Scheduling
  • Collaboration Tools
  • Collaborative Workspace
  • Email Distribution
  • Marketing Automation
  • Team Collaboration
  • Predictive Sales

Images & Videos

Q & A

Q. Does YNAB have a free trial for new users?

Yes, YNAB offers a handsome 34-day free trial for new users. For 34 days, new users can text and explore YNAB’s budgeting tools. They can use the free trial to see if YNAB can indeed help them save money. The 34-day free trial is available on YNAB’s website.

Q. Does YNAB offer a money-back guarantee?

Yes. If users feel that YNAB isn’t really helping them manage their finances, or in other words, they aren’t satisfied with it, YNAB can instantly grant them a 100% refund. It’s a total guarantee. They’ll grant the refund with zero risks and with no questions asked.

Q. Does YNAB allow users to use any currency?

Yes, YNAB allows users to use any currency. But, they can’t use more than one currency together in one budget. The reason for that is to avoid confusion and errors, which will affect a budget’s accuracy.

Q. Is YNAB free for college students?

Yes, YNAB is free for college students, but only for 12 months. College students can get it by sending an email to student@ynab.com with an attached proof of enrollment file of any kind. It could be a tuition statement, a transcript, or a student ID card.