MoneyPatrol vs YNAB
MoneyPatrol
moneypatrol.com
YNAB
ynab.comSide by side
| Figure | MoneyPatrol | YNAB |
|---|---|---|
| Price from | $1.67/mo | $9.08/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | — | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| API | — | Yes |
| Plans published | 5 | 7 |
| Spec score · Personal Finance Software | 9.2 (#4) | 9.4 (#3) |
| Account sync | both | both |
| Annual pricing | Annual paid pricing is listed for Essential, Premier, and Power plans. | $109 USD paid annually, or $9.08 per month before applicable tax. |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | No |
| Plan integrations | Paid plans include Excel, Google Sheets, Zillow Zestimate, and multiple data aggregators depending on plan. | YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps. |
| Mobile apps | both | both |
| Monthly pricing | Monthly prices are listed as $3.99, $6.99, and $9.99, with higher amounts in parentheses. | $14.99 USD per month before applicable tax. |
| Net-worth tracking | Yes | Yes |
| Report export | Advanced reports can be exported to Excel or PDF files. | Yes |
| Paid from | 3.99 | 9.08 |
Plans
MoneyPatrol
- Forever FreeFree
- Essential$19.99 a year
- Premier$39.99 a year
- Power$69.99 a year
- Power Lifetime$299.99, paid once
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
MoneyPatrol
MoneyPatrol is a personal finance service for tracking income, expenses, budgets, bills, debt, investments, net worth, credit scores, and receipts. Its forever-free plan has no fees and includes core tracking and dashboard features such as linked accounts, alerts, bill reminders, and reports. Users can share dashboards with spouses, financial coaches, advisors, and CPAs. Alerts and reminders cover bills, fees, low balances, and suspicious transactions. MoneyPatrol connects accounts through financial institutions and lists apps for Play Store, App Store, Windows, Mac, and Linux. Paid plans include a 15-day free trial. Listed monthly prices are $3.99, $6.99, and $9.99; annual Essential, Premier, and Power plans are listed at 19.99 USD, 39.99 USD, and $69.99 a year. Power Lifetime is listed at 299.99 USD as a one-time payment. Paid-plan integrations and data-retention periods vary by plan, and Power includes daily data backups. The service also provides access to more than 500 financial calculators.
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.