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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

EnvelopeBudget

★ 4.00
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YNAB (You Need A Budget)

★ 4.70
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Subscription
Price Details Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price $4.00 $15.00
Annual Price $40.00
Save $8.00/year
$109.00
Save $71.00/year
Founded 2010 2004
Platform Support
Web ✓ ✓
Ios ✓ ✓
Android ✓ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank account syncing via Plaid/TrueLayer ✗ ✓
Calendar view for transactions ✓ ✗
Comprehensive transaction search ✓ ✗
Customizable budget categories ✗ ✓
Dashboard with account balance trends ✓ ✗
Debt snowball method support ✓ ✗
Goal setting for savings and debt ✗ ✓
Loan calculator for debt management ✗ ✓
Manual transaction entry option ✗ ✓
Real-time expense tracking ✓ ✗
Real-time syncing across devices ✗ ✓
Shared budgeting for up to six users ✗ ✓
Spending and net worth reports ✗ ✓
Target setting for irregular expenses ✗ ✓
Virtual envelope budgeting ✓ ✗
Visual spending reports ✓ ✗
Zero-based budgeting ✗ ✓
Pros & Cons
Pros
  • + 92-day free trial offers plenty of time to rethink your spending habits
  • + Slick, user-friendly interface for envelope budgeting fans
  • + Debt tracking tools to tackle your financial baggage
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • − Stuck on web-only until those mobile apps arrive
  • − Pricing details on their site are as clear as a foggy morning
  • − Mobile apps still in the oven—hope you like waiting
  • − Pricey subscription for a budgeting app
  • − Steep learning curve for newbies
  • − Bank sync can be slow or glitchy

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Quick Summary

EnvelopeBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

7 features

View Full Details Visit Website

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features

View Full Details Visit Website