Financius vs YNAB
Financius
financius.cl
YNAB
ynab.comSide by side
| Figure | Financius | YNAB |
|---|---|---|
| Price from | 4.90 CLP/mo | $9.08/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 7 |
| Spec score · Personal Finance Software | 8.6 (#29) | 9.4 (#3) |
| Account sync | both | both |
| Bank credentials | Financius dice que no necesita claves bancarias para registrar gastos. | Bank connections are read-only, use Plaid or MX, and YNAB says it never stores users’ bank credentials. |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | No |
| Headquarters | Santiago, Chile | Lehi, Utah, USA |
| Integrations | La página del producto indica conexiones con Mercado Pago y Apple Pay, además de registro mediante Telegram, WhatsApp y correo. | YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps. |
| Mobile apps | both | both |
| Report export | Yes | Yes |
| Security | La política de privacidad indica que utiliza cifrado HTTPS/TLS, control de acceso por roles y monitoreo de infraestructura. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
Plans
YNAB
- Annual Plan$9.08 a month
- Annual Plan$109 a year
- Monthly Plan$14.99 a month
- Monthly Plan$14.99 a month
- Annual Plan$109 a year
- College ProgramFree
- Free TrialFree
In their own words
YNAB
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.