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Family & team access Invite family or teammates to the same budget with their own logins. Sharing one password or sign-in link does not count. Separate logins do not necessarily mean private accounts or transactions.
	EnvelopeBudget	Actual Budget	YNAB
Rating
Price	$4/mo	Free	$14.99/mo
Yearly price	$40/yr	Free (self-hosted or desktop app)	$109/yr
Lifetime option	$60 ($60 lifetime (first 500 members; remaining spots not stated))	—	—
Free plan	No	Yes	No
Free trial	34-day free trial, no credit card required	—	34-day free trial, no credit card needed when signing up directly (6 weeks via a friend's referral link, per YNAB, rolling out Sept 2026)
Platforms	Android, iOS, Web	Desktop, Web	Android, iOS, Web
Founded	2009	2022	2004
Envelope budgeting	Yes	Yes	Yes
Automatic bank sync	Yes	Yes	Yes
Manual transaction entry	Yes	Yes	Yes
Goal tracking	Yes	Yes	Yes
Debt payoff tools	Yes	Yes	Yes
Investment tracking	No	No	No
Bill reminders	No	No	No
Reports & charts	Yes	Yes	Yes
Multi-currency	Yes	No	No
Shared / household budgets	Yes	Yes	Yes
Separate logins for shared budgets	Yes. Invite family and team members to shared budgets with their own logins. Manage member access and transfer budget ownership; eligible family members can share the family owner's subscription access.	Not confirmed. Check whether each person gets their own login.	Yes. YNAB Together includes the subscriber and up to five additional people, each with their own login, under one subscription. Share selected plans with group members. The group manager can access every member's plans; other members see plans shared with them.
	Visit	Visit	Visit

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