Best YNAB Alternatives (2026)
Looking for YNAB alternatives? Compare the top budgeting apps tools with ratings, pricing, and features.
By Itai Varochik
About YNAB
Zero-based budgeting app that helps you give every dollar a job.
Rating: 4.7/5 | Pricing: $14.99/mo or $109/yr
Top Alternatives
Monarch Money
Rating: 4.5/5 | Pricing: $14.99/mo or $99.99/yr
Modern personal finance dashboard for budgeting, investments, and net worth.
Goodbudget
Rating: 4.1/5 | Pricing: Free / Plus $10/mo
Envelope budgeting app that modernizes the classic cash envelope system.
Rocket Money
Rating: 4/5 | Pricing: Free – $12/mo
Bill negotiation and subscription cancellation app.
EveryDollar
Rating: 4/5 | Pricing: Free / Premium $17.99/mo
Dave Ramsey's zero-based budgeting app designed around the Baby Steps method.
Frequently Asked Questions
Why look for YNAB alternatives?
While YNAB is a solid budgeting apps tool, you might want alternatives for different pricing, features, or use cases. We've tested the top competitors to help you find the best fit.
What's the best free alternative to YNAB?
Goodbudget offers a free plan and is a strong alternative to YNAB.
How do we select these alternatives?
We test each budgeting apps tool hands-on, evaluating features, pricing, ease of use, and customer support. Alternatives are ranked by overall score.