7 Best YNAB Alternatives 2026: Free and Paid Budgeting Apps Compared
By Itai Varochik | Updated February 18, 2026 | 3 min read
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Why look for YNAB alternatives?
YNAB increased its price to $109/year ($14.99/month) and removed free trial extensions. Many users are looking for equally effective budgeting tools at lower prices.
1. monarch money - best overall YNAB alternative
Monarch Money combines budgeting, investment tracking, and net worth monitoring in a single platform at $99/year.
2. goodbudget - best free envelope budgeting
Goodbudget follows the envelope method like YNAB but offers a generous free tier with 10 envelopes and 1 account.
3. everydollar - best for debt payoff
Dave Ramsey's EveryDollar follows the zero-based budgeting approach with a strong focus on debt elimination.
Comparison table
| Feature | YNAB | Monarch | Goodbudget |
|---|---|---|---|
| Price | $109/yr | $99/yr | Free/$80 |
| Bank Sync | Yes | Yes | Plus only |
Our verdict
For most users leaving YNAB, Monarch Money is the best alternative with broader financial visibility at a lower price.
Frequently Asked Questions
Is YNAB worth $109/year?
For users who fully adopt its methodology, YNAB typically saves $600+ annually through increased financial awareness.
What's the best free budgeting app?
Goodbudget (free tier) for envelope budgeting, Actual Budget for open-source options.