Softwr

Accounting · head to head

ADP vs YNAB

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
YNAB logo

YNAB

Personal Finance

You Need A Budget

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only YNAB has a free tier, so it costs nothing to try first.
  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • They diverge on capability: ADP covers Payroll, YNAB covers Zero-based budgeting.

Where they differ

Only the attributes on which ADP and YNAB actually diverge.

Attributes where ADP and YNAB differ
AttributeADPYNAB
Starting price$29/monthFree
Free tierNoYes
CategoryAccountingPersonal Finance
Founded19492004

Identical on both: pricing model (subscription), platforms (Web, Ios, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in YNAB

  • Zero-based budgeting
  • Bank sync
  • Goal tracking
  • Reports
  • Multi-device sync
  • Bank connections
  • Plaid
  • Bank-level encryption

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot YNAB
  • HR administration and employee recordsnot YNAB
  • Time and attendance trackingnot YNAB
  • Benefits administrationnot YNAB
  • Talent management on the mid-market and enterprise productsnot YNAB

YNAB

  • Personal and household budget trackingnot ADP
  • Debt management and repayment planningnot ADP
  • Family financial planning with multiple usersnot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

YNAB

  • Subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • Multi-currency support restricted to one currency per spending plan
  • Bank import limited to select institutions in US, Canada, UK, and EU only
  • Household plan can only be shared with up to 6 people; additional members cannot access shared plan

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

YNAB

Free
  • Annual Subscription$109/year
    • 34-day free trial with no credit card required
    • No credit card required to start
    • Share access with up to 6 people at no additional cost
  • Monthly Subscription$14.99/month
    • Share access with up to 6 people at no additional cost
    • Real-time account syncing
    • Bank connection and transaction tracking

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose YNAB if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want bank sync.
YNAB review

Questions people ask

Is ADP or YNAB better?
Neither clearly leads. ADP starts at $29/month and YNAB at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or YNAB?
YNAB has a free tier; the other does not. Paid plans start at $29/month for ADP and Free for YNAB.
Does ADP or YNAB run on more platforms?
ADP runs on Web, Ios, Android. YNAB runs on Web, iOS, Android.
Can I use YNAB for free?
Yes. YNAB has a free tier, so you can try it without paying. ADP starts at $29/month.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what YNAB is typically brought in for.
What can ADP do that YNAB cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports. Both handle Web support, Ios support, Android support.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
YNAB: How much does YNAB cost per month?

YNAB costs $14.99 USD per month on a month-to-month basis, or $9.08 per month when paid annually as a $109 per year subscription. Both plans come with a 34-day free trial and no credit card required to start. Source: https://www.ynab.com/pricing

Source
ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
YNAB: Can I share YNAB access with my family?

Yes, both annual and monthly YNAB plans include the ability to share access with up to 6 people at no additional cost, making it suitable for family budget management. Source: https://www.ynab.com/pricing

Source
YNAB: Does YNAB offer a free trial?

Yes, YNAB provides a 34-day free trial with no credit card required to sign up. This trial gives full access to all budgeting features including account syncing, transaction tracking, goal-setting, and debt management tools. Source: https://www.ynab.com/pricing

Source
YNAB: Do students get a discount on YNAB?

Yes, verified college students receive a full year of YNAB access for free through YNAB's College Program. This allows eligible students to use all features at no cost for 12 months. Source: https://www.ynab.com/pricing

Source
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