EveryDollar vs YNAB

EveryDollar is a budgeting tool for the web, iOS, and Android. Its free plan supports monthly budgeting, manual transaction tracking, unlimited budget categories and lines, bill due dates, and sinking funds. Listed capabilities also include bill tracking, net-worth tracking, account syncing, report export, and mobile apps. Premium adds automatic bank transaction imports, paycheck and bill-date planning, custom reports, CSV export, projected net-worth calculations, coaching, and live Q&A. Premium costs $17.99 a month after a 14-day free trial. The pricing note also lists paid access from $6.67/mo on an annual basis; the plan details provided list Premium at the monthly price. The free plan is listed at free. EveryDollar was founded in 2015, and its maker is headquartered in Franklin, Tennessee, United States. The product offers a manual-budgeting option as well as a paid tier with imported transactions and additional planning and reporting capabilities.

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.