YNAB Too Expensive? Free Alternatives That Work

YNAB is great, but $99/year? That's a lot for a budgeting app. Here's what else works.

Why YNAB Costs So Much

YNAB's philosophy (give every dollar a job) is solid. But the app has become complex, and the price keeps rising.

YNAB's Weaknesses

• Price: $99/year is expensive for budgeting
• Learning curve: Weeks to understand fully
• Complexity: More features than most need
• Bank sync: Still requires linking accounts

Free Alternatives

Pocket Clear (Free tier)

• Simple expense tracking
• Categories and monthly views
• No bank linking required
• Works offline

Goodbudget (Free tier)

Envelope budgeting, 10 envelopes free. Similar philosophy to YNAB.

Spreadsheets

Google Sheets or Excel. Total control, zero cost.

Do You Need YNAB's Complexity?

Most people need simple tracking: what came in, what went out, how much is left. That's free with Pocket Clear.