Bajet vs YNAB

Bajet Home Horizon is a free, open-source Malaysian financial planning tool available on the web. It uses take-home income, monthly commitments, and savings goals to show how financial changes may accumulate and estimate when a savings target could be reached. The tool is intended for longer-range planning rather than daily transaction logging or category sorting. Its local context includes RM, EPF, and Malaysian property prices. A home-buying simulator compares purchasing a first home now with waiting, using savings growth, mortgage calculations, and local prices. Bajet says accounts are unnecessary, data remains in the browser, and there is no cloud storage or upsell. The listed Home Horizon plan costs nothing. Scenario planning is supported, but there is no free trial because the product is already offered as a free plan.

YNAB is a budgeting service for web, Android, and iOS, with an API. Its method asks users to assign each dollar a purpose, supported by budgeting tools, bill tracking, net-worth reports, savings targets, and an integrated loan calculator. Users can link accounts to import transactions automatically from select banks in the US, Canada, UK, and EU; file-based import is available outside those areas. Balances, priorities, goals, and transactions sync across devices in real time. A spending plan can use a selected currency, but cannot mix currencies. YNAB offers a 34-day trial without a credit card when signing up directly, and does not charge unless users subscribe afterward. The annual plan costs $109 USD paid annually, or $9.08 per month before applicable tax; monthly billing costs $14.99 a month before applicable tax. College students with proof of enrollment can get a 365-day trial, and one subscription can be shared with up to six people. YNAB says it does not sell user data and keeps the app ad-free.