CalendarBudget vs YNAB

CalendarBudget is a cloud budgeting service for planning cash flow and comparing actual figures with a budget. Its calendar view shows a user's real balance day by day into the future, and planning can extend up to 10 years ahead. The service includes bill-payment reminders, spending reports and graphs, and bank-file import for reconciling transactions. Bank connection and automatic imports, automatic transaction categorization, and mobile reconciliation are available in the USA and Canada. CalendarBudget works in a web browser and on iOS and Android. There is no free plan, but a 30-day trial provides access to all features, requires no credit card, and can be canceled anytime. Membership costs $11.99 a month or $89.99 a year. Support is available through support tickets and contact options on the site. Users outside the USA and Canada can still use the listed planning and bank-file import features, but the regional limits apply to bank connections and related automatic tools.

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.