Looking for apps like YNAB? NeoBudget offers the same zero-based envelope budgeting you love at a fraction of the cost, with a free tier that lasts forever.
See how much you can save by switching from YNAB to NeoBudget.
| YNAB | NeoBudget | |
|---|---|---|
| Pricing Tiers | One size fits all | 3 tiers to fit your needs |
| Free Option | 34-day trial only | Free tier forever |
| Starting Price |
$14.99/month or $109/year |
$5.95/month
Save 60% or $59.95/year |
| Full Features |
$14.99/month or $109/year |
$9.95/month
Save 33% or $99.95/year |
| Bank Sync | ||
| Mobile Apps | iOS & Android | iOS & Android |
| Receipt Scanning | Included | |
| Auto-Categorization Rules | Payee memory only | Custom patterns |
YNAB has one price: $14.99/month. NeoBudget lets you choose the plan that fits your budget.
Pay 34% less for the same envelope budgeting methodology. That's money you can put toward your actual budget goals.
No trial countdown. No credit card required. Use NeoBudget's free tier forever, then upgrade when you're ready. No ads, no data selling - ever.
Step away from spreadsheet-style budgeting. NeoBudget's modern, visual interface makes managing money intuitive and enjoyable.
Snap a photo of any receipt and automatically extract the details. Save time on manual entry.
Like YNAB, NeoBudget uses zero-based budgeting where you give every dollar a job. But instead of a spreadsheet-style interface, NeoBudget shows your budget as visual envelope cards. See at a glance which envelopes are healthy and which need attention.
NeoBudget is a complete You Need A Budget replacement with every zero-based budgeting feature you rely on.
"Thanks to NeoBudget, my wife and I don't have to worry if there will be money at the end of the month for bills. Because we set up a plan using the budget editor, we know our expenses are covered. The best part is that NeoBudget is much cheaper than everything else. I just budget it out of the spare change that is left from each paycheck."
– Brian
"I have used other programs and they were okay but didn't clearly allow me to see what budget categories were negative. Plus I would tend to forget to update them regularly but NeoBudget is so fun that I want to update it all the time. NeoBudget tells me right on the homepage with bold red letters if I am negative in any envelope."
– Whitney
NeoBudget is a top YNAB alternative for people who want the same zero-based envelope budgeting at a lower price. While YNAB costs $14.99/month or $109/year, NeoBudget offers full features at $9.95/month with a free tier that lasts forever. Both apps offer bank sync, mobile apps, and shared budgets for couples.
Yes. Unlike YNAB's 34-day trial, NeoBudget offers a genuinely free tier that lasts forever. The free plan includes 1 account and 10 envelopes with no credit card required. You can use NeoBudget indefinitely at no cost and upgrade when you're ready for more features like bank sync.
NeoBudget's Complete plan costs $9.95/month compared to YNAB's $14.99/month, saving you 33% ($60+ per year). For even more savings, NeoBudget's Essential plan starts at just $5.95/month (60% less than YNAB). Both plans include annual billing options with 2 months free.
Switching from YNAB to NeoBudget is straightforward. Both apps use the same zero-based envelope budgeting methodology, so the concepts transfer directly. NeoBudget supports automatic bank sync (via Plaid) and manual file imports in QIF, OFX, and QFX formats to help you get started quickly.
Yes, NeoBudget and YNAB both use zero-based envelope budgeting where you "give every dollar a job." The main differences are price (NeoBudget is cheaper), interface (NeoBudget uses visual envelope cards vs. YNAB's spreadsheet-style), and that NeoBudget includes receipt scanning while YNAB doesn't.
Absolutely. NeoBudget uses the same zero-based budgeting philosophy. When you receive income, you allocate every dollar to envelopes (budget categories) until your "to be budgeted" amount reaches zero. This ensures all your money has a purpose, just like YNAB's approach.
No. NeoBudget is not ad-supported and we never sell your data. Our free tier is genuinely free with no hidden costs - we make money from paid subscriptions, not from advertising or selling your financial information. Your data stays private.
