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Spendee vs YNAB

Spendee logo

Spendee

Software

Budget and money management made easy

From
Free
Rated
-
Full reviewWebsite
YNAB logo

YNAB

Software

You Need A Budget

From
$14.99/month
Rated
-
Full reviewWebsite

The short version

  • Only Spendee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Spendee the free Basic plan allows one cash wallet and one budget; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • They diverge on capability: Spendee covers Expense tracking, YNAB covers Zero-based budgeting.

Where they differ

Only the attributes on which Spendee and YNAB actually diverge.

Attributes where Spendee and YNAB differ
AttributeSpendeeYNAB
Starting priceFree$14.99/month
Pricing modelfreemiumsubscription
Free tierYesNo
Founded20132004

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).

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 Spendee

  • Expense tracking
  • Budget management
  • Shared wallets
  • Financial analytics
  • Bank accounts
  • IOS support

Only in YNAB

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

Both cover

  • Web support
  • Android support

What people use each for

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

Spendee

  • Tracking personal spending across cash and bank accountsnot YNAB
  • Sharing a budget or wallet with a partner or householdnot YNAB

YNAB

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

Where each one falls short

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

Spendee

  • The free Basic plan allows one cash wallet and one budget
  • Shared wallets are excluded from the free plan
  • Premium at $5.99 a month is triple the $1.99 Plus plan, and the pricing page does not quantify what separates them beyond shared wallets
  • Bank sync depends on a supported bank list rather than being universal

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

Spendee

Free
  • FreeFree
    • Expense tracking
    • Budget creation
    • 3 wallets
  • Premium$6.99/month
    • Unlimited wallets
    • Advanced analytics
    • Investment tracking

YNAB

$14.99/month

No published plan breakdown. See the YNAB review.

Which should you pick?

Choose Spendee if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want budget management.
Spendee 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 Spendee or YNAB better?
Neither clearly leads. Spendee 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, Spendee or YNAB?
Spendee has a free tier; the other does not. Paid plans start at Free for Spendee and $14.99/month for YNAB.
Does Spendee or YNAB run on more platforms?
Spendee runs on Web, IOS, Android. YNAB runs on Web, iOS, Android.
Can I use Spendee for free?
Yes. Spendee has a free tier, so you can try it without paying. YNAB starts at $14.99/month.
What is Spendee best used for?
Spendee is most often used for tracking personal spending across cash and bank accounts, sharing a budget or wallet with a partner or household. Of those, tracking personal spending across cash and bank accounts and sharing a budget or wallet with a partner or household are not what YNAB is typically brought in for.
What can Spendee do that YNAB cannot?
Spendee covers Expense tracking, Budget management, Shared wallets, Financial analytics. YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports. Both handle Web support, Android support.
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