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Best Alternatives to YNAB

12 honest alternatives – every field labelled, no fake scores.

About YNAB

Have you ever worried about money? You're not alone. Download YNAB, get good at money, and never worry about money again.

Best for: Individuals seeking to improve their budgeting skills and gain control over their finances.

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When to look for an alternative

Not for:

Users looking for a free financial management tool or those who prefer automated investment solutions.

Known limitation:

Limited visibility into pricing options may deter potential users seeking clear cost information. (AI-inferred; may be outdated. Founders can correct this)

AI-inferred from public information, so it may be outdated. Founders can correct.

12 Alternatives to YNAB

Personal Finance
ScreenerHub logo
ScreenerHub
Personal Finance

Build screeners from fundamentals, create watchlists, and automate your monitoring for long-term decisions.

Free planFree trialfrom Free to 19$/month
TradeKeeper logo
TradeKeeper
Personal Finance

TradeKeeper is the ultimate trading journal and analytics platform for crypto, forex, stocks, options, and futures. Track and analyze your performance to improve your trading strategy.

RealContractorPay - 1099 vs W2 Calculator logo
RealContractorPay - 1099 vs W2 Calculator
Personal Finance

Free 1099 vs. W2 Take-Home Pay & Tax Calculator for Contractors & Freelancers

Free planFree trialfrom Free
SalaryHow logo
SalaryHow
Personal Finance

Convert hourly pay into yearly, monthly, biweekly, weekly, and daily income. Estimate your salary instantly with SalaryHow.

Free plan
Venaya logo
Venaya
Personal Finance

A 0–100 financial health score, a life stage-aware dashboard, and savings goals that grow. Free to start, no bank login required.

Free planFree trialfrom 7.90 CHF
Paycheck Calculator 2026 logo
Paycheck Calculator 2026
Personal Finance

Free paycheck calculator for 2026. Estimate take-home pay after federal (IRS Pub 15-T), state, FICA, and local taxes. Built for all 50 US states — start with CA, TX, NY, or FL.

Free plan
StockFly logo
StockFly
Personal Finance

Every holding, your real return, dividends and taxes in one calm place. No jargon, no ads.

Free planFree trialfrom $4.99
VestingGap logo
VestingGap
Personal Finance
Free plan
CD Calculator logo
CD Calculator
Personal Finance

Free CD calculator: enter your deposit, rate and term to see the exact maturity value, interest and APY update as you type. No signup, nothing stored.

Free plan
401k Calculator logo
401k Calculator
Personal Finance

Calculate what your 401k will be worth at retirement — free. Contributions, employer match and growth update live as you type. No signup, nothing stored.

Free plan
Kotisso logo
Kotisso
Personal Finance

Kotisso shares the costs between you, with no maths and no awkwardness. Flatshare, holidays, separated parents: everyone sees what they owe, right away.

tracked. logo
tracked.
Personal Finance

A calm money app for iPhone. Log spending in two taps, catch the subscriptions quietly draining your account, and get a nudge the moment a price falls — with Penny, your money assistant.

Free trialfrom $2.99
How we sourced this: Alternatives are tools in the same category as YNAB listed on directree. Tool details are a mix of observed facts (crawled from each site) and AI-inferred fields (always labelled). No fake precision scores. Founders can submit and claim their listing to correct any field.