Softwr

Accounting · head to head

Lago vs YNAB

Lago logo

Lago

Accounting

Open-source billing infrastructure for usage-based models

From
Free
Rated
-
Full reviewWebsite
YNAB logo

YNAB

Personal Finance

You Need A Budget

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Lago free tier limited to 10,000 entities per month with 5M event cap; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • They diverge on capability: Lago covers Real-time usage metering, YNAB covers Zero-based budgeting.

Where they differ

Only the attributes on which Lago and YNAB actually diverge.

Attributes where Lago and YNAB differ
AttributeLagoYNAB
Pricing modelFreemium with optional paid tierssubscription
PlatformsWeb, Cloud, Self-hosted, On-premise, VPCWeb, iOS, Android
CategoryAccountingPersonal Finance
FoundedUnknown2004

Identical on both: starting price (Free), free tier (Yes), 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 Lago

  • Real-time usage metering
  • Multiple pricing models
  • Automated invoicing
  • Prepaid credits
  • Entitlements
  • Multi-currency support
  • Payment orchestration
  • Revenue analytics

Only in YNAB

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

What people use each for

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

Lago

  • Building usage-based billing for high-volume APIs and infrastructurenot YNAB
  • Implementing metered billing for AI and tokenized servicesnot YNAB
  • Creating subscription and hybrid pricing modelsnot YNAB
  • Managing multi-currency billing for global companiesnot YNAB
  • Maintaining billing infrastructure without vendor lock-innot YNAB

YNAB

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

Where each one falls short

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

Lago

  • Free tier limited to 10,000 entities per month with 5M event cap
  • No specific pricing published for Pro annual plan or Scale plan
  • Self-hosted and on-premise deployments require engineering resources
  • Community support only on free tier
  • Scale plan requires annual contracts and sales engagement

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

Lago

Free
  • Build (Free)Free
    • 10,000 managed entities per month
    • 5M usage events per month
    • 1K events per second rate limit
  • Pro$399/month
    • 10,000 entities included (graduated pricing to 100K)
    • 25M usage events included (to 500M with graduated rates)
    • 10K events per second (upgradeable to 100K)
  • Scale$null/custom
    • Custom entity and event volumes
    • 50K events per second (upgradeable to 100K)
    • RBAC and SSO (SAML)

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 Lago if

  • You need real-time usage metering.
  • You want to start without paying.
  • You work on Web, Cloud, Self-hosted, On-premise, VPC.
  • You also want multiple pricing models.
Lago 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 Lago or YNAB better?
Neither clearly leads. Lago starts at Free and YNAB at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Lago or YNAB?
Lago starts at Free and YNAB at Free.
Does Lago or YNAB run on more platforms?
Lago runs on Web, Cloud, Self-hosted, On-premise, VPC. YNAB runs on Web, iOS, Android.
Can I use Lago for free?
Both have a free tier, so you can try either at no cost before committing.
What is Lago best used for?
Lago is most often used for building usage-based billing for high-volume apis and infrastructure, implementing metered billing for ai and tokenized services, creating subscription and hybrid pricing models, managing multi-currency billing for global companies. Of those, building usage-based billing for high-volume apis and infrastructure and implementing metered billing for ai and tokenized services are not what YNAB is typically brought in for.
What can Lago do that YNAB cannot?
Lago covers Real-time usage metering, Multiple pricing models, Automated invoicing, Prepaid credits. YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports.

Answered from the vendors’ own pages

Lago: Can I use Lago open-source for free?

Yes, Lago is open-source under the AGPLv3 license and can be self-hosted. The cloud-based Build plan is also free with limits of 10,000 entities and 5M events per month.

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
Lago: What payment providers does Lago integrate with?

Lago integrates with Stripe and Adyen for payment processing. It is not a payment processor itself but orchestrates payments through these providers.

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
Lago: Does Lago support multiple currencies?

Yes, Lago supports multi-currency billing with automatic currency conversion for global businesses.

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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