Liquid Budget vs YNAB
Last updated: August 2026
Liquid Budget
YNAB
Pricing Comparison
| Liquid Budget | YNAB | |
|---|---|---|
| Monthly | $5/m | $14.99/mo |
| Yearly | $50/y (as of 2025) | $109/yr |
| Lifetime | — | — |
| Free Trial | Trial - 45 Days | 34-day free trial |
| Free Tier | ❌ | ❌ |
Feature Comparison
| Feature | Liquid Budget | YNAB |
|---|---|---|
| Envelope Budgeting | ✅ | ✅ |
| Bank Sync | ✅ | ✅ |
| Manual Entry | ✅ | ✅ |
| Goal Tracking | ✅ | ✅ |
| Debt Payoff | ❌ | ✅ |
| Investment Tracking | ❌ | ❌ |
| Bill Reminders | ❌ | ❌ |
| Reporting | ✅ | ✅ |
| Multi-Currency | ❌ | ✅ |
| Shared Budgets | ❌ | ✅ |
Our Verdict
Liquid Budget is best for: People who want envelope-style budgeting focused on envelope
YNAB is best for: Committed budgeters who want a full-featured tool and don't mind paying a premium
Frequently Asked Questions
Is Liquid Budget or YNAB cheaper?
Liquid Budget costs $50/y (as of 2025) while YNAB costs $109/yr.
Does Liquid Budget or YNAB have bank sync?
Both Liquid Budget and YNAB offer automatic bank sync.
Which app is better for envelope budgeting?
Both Liquid Budget and YNAB support envelope-style budgeting.
EDITOR'S PICK
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