See how FinWise compares with YNAB

Simple and easy to use

FinWise is designed to be simple and easy to use. The UI is clean, intuitive and responsive.

YNAB has a steep learning curve and can be difficult and cumbersome to use, and the UI can be confusing.

Flexible, customizable budgeting

FinWise lets you choose how you want to budget. Use either the default expense tracker mode, or switch to envelop and zero budgeting mode.

YNAB only supports zero budgeting mode.

Multi currency

FinWise supports 100+ currencies worldwide, and does automatic conversion into your base currency of your accounts and transactions.

FinWise supports 100+ currencies worldwide, and you can link accounts from all over the world.

Collaborative budgeting

FinWise makes it easy to budget and manage your money collaboratively with your partner or family.

YNAB has no ability to collaborate or share budgets with your partner or family.

Extremely accurate auto-categorization

FinWise has an extremely accurate and reliable transaction auto-categorization engine which learns and improves as you use it, powered by AI and machine learning.

YNAB does not support auto-categorization, so you have to manually set categories for each transaction.

Comprehensive trends and analysis

FinWise makes it easy to monitor spending trends with a very comprehensive trends and analysis tool, allowing you to get deep insights into your finances.

YNAB has a very basic spending and net-worth report.

FinWise is affordable

FinWise is more affordable than YNAB, charging less than 40% of what YNAB charges.

YNAB is more expensive than FinWise.