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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Finwise

★ 4.00
View Details →

YNAB (You Need A Budget)

★ 4.70
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Subscription
Price Details Free tier includes basic budgeting; premium unlocks advanced analytics, ad-free experience, and priority support. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price $5.99 $15.00
Annual Price $59.99
Save $11.89/year
$109.00
Save $71.00/year
Founded 2020 2004
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Bank account syncing
Bank account syncing via Plaid/TrueLayer
Basic financial goal planner
Bill payment reminders
Customizable budget categories
Goal setting for savings and debt
Loan calculator for debt management
Manual transaction entry option
Multi-device access
Push notifications
Real-time expense tracking
Real-time syncing across devices
Savings goal tracking
Secure data encryption
Shared budgeting for up to six users
Spending and net worth reports
Spending insights and reports
Target setting for irregular expenses
Zero-based budgeting
Pros & Cons
Pros
  • + Sleek and user-friendly design
  • + Reliable bank sync for real-time updates
  • + Free version covers essential budgeting needs
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • Premium plan feels pricey for what’s offered
  • No advanced investment or tax tools
  • Occasional sync delays with some banks
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy

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Quick Summary

Finwise

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features