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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Spendee

★ 4.50
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 version with basic tracking; Plus ($14.99/year) adds bank sync; Premium ($35.99/year) includes shared wallets and unlimited budgets. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price $2.99 $15.00
Annual Price $35.99 $109.00
Save $71.00/year
Founded 2013 2004
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Bank account sync (Plus/Premium)
Bank account syncing via Plaid/TrueLayer
Budget creation
Custom categories
Customizable budget categories
Data export (CSV/XLS, limited in free version)
Expense tracking
Goal setting for savings and debt
Loan calculator for debt management
Manual transaction entry option
Multi-currency support
Real-time syncing across devices
Secure encryption
Shared budgeting for up to six users
Shared wallets (Premium)
Spending and net worth reports
Spending charts and insights
Target setting for irregular expenses
Zero-based budgeting
Pros & Cons
Pros
  • + Gorgeous, user-friendly interface
  • + Bank sync is a lifesaver for lazy trackers
  • + Shared wallets great for couples or group trips
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • Free version limits data export to 365 days
  • No desktop app, just web
  • Bank sync can be glitchy in some regions
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy

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Quick Summary

Spendee

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

9 features

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features