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Cryptocurrency & Blockchain · head to head

Argent vs YNAB

Argent logo

Argent

Cryptocurrency & Blockchain

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
YNAB logo

YNAB

Personal Finance

You Need A Budget

From
$14.99/month
Rated
-
Full reviewWebsite

The short version

  • Only Argent has a free tier, so it costs nothing to try first.
  • Each has a real cost: Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • They diverge on capability: Argent covers Smart Contract Wallet, YNAB covers Zero-based budgeting.

Where they differ

Only the attributes on which Argent and YNAB actually diverge.

Attributes where Argent and YNAB differ
AttributeArgentYNAB
Starting priceFree$14.99/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsIos, AndroidWeb, iOS, Android
CategoryCryptocurrency & BlockchainPersonal Finance
Founded20182004

Identical on both: 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 Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

Only in YNAB

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

Both cover

  • Ios support
  • Android support

What people use each for

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

Argent

  • Self-custodial wallet on mobilenot YNAB
  • Holding digital dollars under your own controlnot YNAB
  • Spending through a virtual card with Apple Pay or Google Paynot YNAB
  • Connecting to dapps through WalletConnectnot YNAB

YNAB

  • Individual budget tracking with 34-day free trial before subscription commitmentnot Argent
  • Household budget management with wife-on-plan sharing for up to 6 household membersnot Argent
  • Manual transaction entry for banks outside the supported import listnot Argent

Where each one falls short

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

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

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

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

YNAB

$14.99/month

No published plan breakdown. See the YNAB review.

Which should you pick?

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Choose YNAB if

  • You need zero-based budgeting.
  • You work on Web, iOS, Android.
  • You also want bank sync.
YNAB review

Questions people ask

Is Argent or YNAB better?
Neither clearly leads. Argent starts at Free and YNAB at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or YNAB?
Argent has a free tier; the other does not. Paid plans start at Free for Argent and $14.99/month for YNAB.
Does Argent or YNAB run on more platforms?
Argent runs on Ios, Android. YNAB runs on Web, iOS, Android.
Can I use Argent for free?
Yes. Argent has a free tier, so you can try it without paying. YNAB starts at $14.99/month.
What is Argent best used for?
Argent is most often used for self-custodial wallet on mobile, holding digital dollars under your own control, spending through a virtual card with apple pay or google pay, connecting to dapps through walletconnect. Of those, self-custodial wallet on mobile and holding digital dollars under your own control are not what YNAB is typically brought in for.
What can Argent do that YNAB cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports. Both handle Ios support, Android support.
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