YNAB alternatives: method, price and tracking
Before switching from YNAB, decide whether you want to keep its method of assigning a purpose to available money or simply track spending and set category limits. Spendee, Wallet, Dinerio, Neto and Aurio support different tracking needs; we do not present them as equivalent replacements for its method.
Published by Aurio, one of the products compared.
Desk review of official sources on 13 November 2026. This is not a hands-on test of every app or a quality ranking. Order follows use cases; prices and features may change.
Options for different needs
| Option | What it suits | Price and access | Limitation to consider |
|---|---|---|---|
| Spendee | Manual tracking or shared wallets; bank connection with Premium. | Free manual plan; Plus adds shared wallets. | Its website shows US App Store prices; we do not present those as Spanish prices. |
| Wallet by BudgetBakers | Synchronise and categorise bank transactions. | Check the current plan and price in the app. | We have not checked support for a specific Spanish account: verify it before subscribing. |
| Dinerio | Spending, budgets, net worth and couples finances without bank access. | 14-day trial; €3.99/month, €35.88/year or €99.99 once. | Paid after the trial. These are standard rates; promotions have separate dates and conditions. |
| Neto | Spending, accounts and net worth without connecting banks. | Free; PRO €49.99/year on iPhone or €59.99/year on Android. | Current net worth is free; its history and unlimited CSV export require PRO. |
| Your own spreadsheet | Define your columns, balances and tracking rules. | You can use a tool you already have; its licence may cost money. | You maintain formulas, backups and data. Creating a sheet does not automatically update it. |
| Aurio | Personal and shared expenses, budgets and net worth, in Spanish and English. | Free; Premium €49.99/year or €5.99/month. Seven-day trial on the monthly plan only. | No bank-account synchronisation. Update through entries, statements or Shortcuts; Aurio does not move money. |
What YNAB costs by purchase channel
The official website lists USD 109/year or USD 14.99/month, plus applicable taxes, and a 34-day trial without a card when signing up directly. The Spanish App Store listing is in English; store prices and trials may differ. We do not convert dollars into euros and call the result a Spanish price.
A category limit is not zero-based budgeting
A limit compares spending with a maximum. Allocating available money means deciding its purpose before spending and adjusting those allocations. Aurio offers category budgets and savings goals; we do not claim envelope budgeting or equivalence with YNAB. If the method matters most, consider whether switching tools helps you.
Choose around what is missing
For shared wallets, review Spendee Plus; for bank sync, check Wallet against your specific account. For tracking without bank access, compare Neto, Dinerio and Aurio. Your own spreadsheet lets you design a method but requires maintenance. Costs become comparable after you decide which functions you need.
Close a period before migrating
Keep the original history, note balances at a chosen date and recreate the categories you want to retain. Try a month before leaving your existing system. We do not promise to import YNAB rules, goals or budgets into Aurio automatically.