YNAB is a thorough zero-based budgeting system with a paid subscription. Cashflow is a free, lighter tracker. Pick based on how much structure you want.
At a glance
| Cashflow | YNAB | |
|---|---|---|
| Price | Free | Paid subscription after a free trial |
| Getting transactions in | Receipt scan, PDF statement import, manual entry | Bank sync or manual entry |
| Budgeting style | Weekly, monthly or yearly budgets with threshold alerts | Zero-based: assign every dollar to a category |
| Learning curve | Low, set up in a few minutes | Higher, it is a method as much as an app |
| Habit features | Streaks, badges, progress standing | Education and a strong community |
| Shared shopping list | Yes, with receipt ticking | No |
Prices change. We have not listed exact amounts; see YNAB's website for the current price.
Who should pick YNAB
You want a full zero-based method, with every dollar planned, and you are happy to pay for it and learn the approach.
Who should pick Cashflow
You want to see where money goes and stay under a budget without learning a new system, you do not want a subscription, or you prefer not to link a bank.
We make Cashflow, so we have a stake in this. Check YNAB's own site for current features and pricing before you decide.
Try Cashflow
Cashflow: Budget Manager is free on iPhone and Android.
General information, not financial, tax or legal advice.
Frequently asked questions
Is Cashflow a free alternative to YNAB?
Cashflow is free to use. YNAB is a paid subscription after a trial. They work differently, so free is not the only difference.
Does Cashflow sync with my bank?
No. You scan receipts, import a PDF bank statement or add transactions by hand.