MyBudgetFile vs YNAB
MyBudgetFile
mybudgetfile.com
YNAB
ynab.comSide by side
| Figure | MyBudgetFile | YNAB |
|---|---|---|
| Price from | — | $9.08/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | — | Yes |
| Plans published | 3 | 7 |
| Spec score · Budgeting Software | 7.2 (#26) | 8.5 (#5) |
| Spec score · Budgeting apps | 7.0 (#30) | 8.8 (#3) |
| Free plan | No | No |
| Integrations | The maker says budget data can be transferred between MyBudgetFile and finance, human resources and payroll systems. | YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps. |
| Reports | Reports can be customized for different audiences, including finance departments and boards of education. | Spending and net-worth reports provide graphs and charts about spending and wealth. |
Plans
MyBudgetFile
- Implementation FeePrice not published
- Annual Licensing FeePrice not published
- Annual subscriptionPrice not published
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
MyBudgetFile
MyBudgetFile has no write-up on Specifiction yet; its figures are above.
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.