Best YNAB Alternatives in 2026

Updated October 2026

20 apps from personal finance software ranked against YNAB on the same published basis.

YNAB alternatives compared

#	App	Score	Free plan	From	Runs on
1	PocketSmith	9.8	Free plan	$9.99/mo	Android, API, iOS, Linux, Mac, Web, Windows
2	SoFi	9.6	Free plan	—	Android, iOS, Mac, Web, Windows
3	Trakli	9.4	Free plan	$7.19/mo	Web, iOS, Android
4	Emma	9.4	Free plan	£4.99/mo	Web, iOS, Android
5	Finlynq	9.3	Free plan	Free	Web, iOS, Android
6	Money Manager Ex	9.3	Free plan	Free	Windows, Mac, Linux, iOS, Android
7	Fireball	9.3	Free plan	NZD 10.99/mo	Web, iOS, Android
8	Rocket Money	9.3	Free plan	Free	Web, iOS, Android
9	ClearCheckbook	9.1	Free plan	$2.49/mo	Web, iOS, Android
10	Toshl Finance	9.1	Free plan	Free	Web, iOS, Android
11	Talvo	9.0	Free plan	€6/mo	Web, iOS, Android
12	EveryDollar	9.0	Free plan	$17.99/mo	Web, iOS, Android
14	Buxfer	8.9	No	$7.99/mo	Web, iOS, Android
15	PocketGuard	8.9	No	$6.25/mo	Web, iOS, Android
16	Money Forward ME	8.9	Free plan	Free	Web, iOS, Android
17	Zaim	8.9	Free plan	Free	Web, iOS, Android
18	Wallet by BudgetBakers	8.8	No	—	Web, iOS, Android
19	CountAbout	8.8	No	$1.67/mo	Web, iOS, Android
20	MoneyWiz	8.8	No	$2.50/mo	iOS, Mac
21	Bluecoins	8.8	Free plan	Free	iOS, Android

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Questions about YNAB alternatives

What is the best alternative to YNAB?

PocketSmith, number 1 in personal finance software with a score of 9.8 out of 10. The others here: SoFi, Trakli, Emma and 16 more.

What is the best free alternative to YNAB?

PocketSmith is the best-ranked alternative with a free plan. 15 of the 20 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.