YNAB alternatives

4 tools to consider instead of YNAB, shown against it.

YNAB Actual Budget Monarch Money Lunch Money Tiller
Vendor YNAB (You Need A Budget LLC) Actual Budget (open source project) Monarch Money, Inc. Lunch Money Tiller Money, Inc.
Pricing model Subscription Open source + paid options Subscription Subscription Subscription
Free tier No Yes No No No
Deployment Cloud Cloud, Self-hosted Cloud Cloud Cloud
Open source No Yes (MIT) No No No
Best for People who want to actively change spending habits through structured, envelope-style budgeting rather than passive expense tracking. Privacy-conscious, self-hosting-comfortable users who want YNAB-style envelope budgeting without a subscription or third-party data custody. Individuals and couples who want one collaborative dashboard across many linked accounts and are willing to pay for an ad-free product. Multi-currency, crypto-holding, or developer-minded users who want API access to their budgeting data. Spreadsheet-comfortable users who want automated data feeds into a fully customizable budget workbook rather than a fixed app UI.
Pricing

Single subscription plan billed monthly or annually, with a 34-day free trial and no credit card required to start.

YNAB $14.99/month or $109/year

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

Free, open-source software; self-hosting costs only the user's own server or third-party host fees, with no vendor subscription.

Pricing has not been verified yet — see the vendor's site.

Paid subscription billed monthly or annually, with a short free trial and periodic first-year discount codes; no permanent free tier.

Pricing has not been verified yet — see the vendor's site.

Paid monthly or annual subscription with a free trial period; no permanent free tier.

Pricing has not been verified yet — see the vendor's site.

Single annual subscription with a 30-day free trial and a money-back guarantee; no permanent free tier.

Tiller $99/year

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

Features
  • Zero-based budgeting (assign every dollar a job)
  • Linked bank and credit card import plus manual entry
  • Category-level savings and debt-payoff goals
  • Shared household budgets
  • Net worth and spending reports
  • Age of Money and overspending tracking
  • Free educational workshops and in-app guidance
  • Zero-based, envelope-style budgeting
  • Local-first storage with end-to-end encrypted sync
  • Self-hosted sync server (Docker/Node.js) or third-party hosting
  • Bank-linked import in supported regions, manual CSV import elsewhere
  • Multi-device sync
  • Budget and spending reports
  • Multi-currency support
  • No account required to use the desktop app standalone
  • Linked bank, credit, loan, and investment account aggregation
  • Shared household budgets with multiple collaborators
  • Custom categories, rules, and tags
  • Net worth tracking over time
  • Goal tracking (savings, debt payoff)
  • Investment portfolio and holdings view
  • Recurring bill and subscription detection
  • Custom reports and cash-flow charts
  • Linked bank, credit, and investment account aggregation
  • Native multi-currency support
  • Cryptocurrency account tracking
  • Category budgeting and recurring-transaction detection
  • Net worth tracking
  • Manual CSV import for unsupported accounts
  • Public developer API
  • Automated daily transaction and balance feeds into Google Sheets or Excel
  • Prebuilt and community budgeting/net-worth templates
  • Full spreadsheet-level customization of categories and formulas
  • Linked bank, credit, and investment accounts
  • Net worth tracking over time
  • Multi-currency support
  • Data stays in the user's own Google or Microsoft account

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