Wealtie vs YNAB: YNAB or Wealtie? The honest version.
Both help you see where your money goes. They differ on how your transactions get there, and on what a budget is for. Here is each on the same six questions, from YNAB’s own website.
| Feature | Wealtie | YNAB |
|---|---|---|
| Free plan | Yes, with no time limit and no card | No. 34-day free trial, no card needed |
| Paid plan | Pro: $5.99/month, $34.99/6 months or $59.99/year | $14.99/month or $109/year |
| Bank connection | Not currently. You log what you spend; nothing is imported | Direct import for select US, Canadian, UK and EU banks; file import or manual entry elsewhere |
| Multiple currencies | 68, each account in its own, totals converted at each day's rate | One currency per plan; currencies can't be mixed in a single plan |
| Sharing | Share one account with roles (Pro, for the owner); whoever accepts joins on any plan | One subscription shared with up to 5 others |
| Platforms | iPhone and Android | iPhone, Android and web |
Checked 4 October 2026 against each app’s own website. Prices in US dollars; they can vary by country.
Which one fits you
YNAB is a good app. Whether it's the right one depends on a few things only you know.
Choose YNAB if
- You want transactions imported from your bank, and your bank is one YNAB supports.
- You budget with the zero-based method — every dollar given a job — and want an app built around it.
- You want a web app as well as a phone app.
Choose Wealtie if
- You'd rather log what you spend yourself, or your bank isn't supported.
- You want a free plan rather than a trial.
- Your accounts are in more than one currency.
- You want a warning in the middle of the month and a streak for every month you keep the budget.
What people switch for
- Budget Health
- Where this month's pace ends, said while there's still most of the month left.
- Two streaks
- One for months inside the budget, one for months the income goal was reached.
- An income goal
- A target to reach, separate from the limit, built for income that moves.
- 68 currencies
- Each account in its own, one total in yours, on the free plan.
What people ask when they compare
Yes. Wealtie has a free plan with no time limit: a monthly budget and income goal, Budget Health, streaks, two accounts and ten categories. YNAB has a 34-day trial and then costs $14.99 a month or $109 a year. Wealtie Pro is $5.99 a month or $59.99 a year.
No. Wealtie gives you one spending limit and one income target, which you can split by category, and warns you mid-month if your pace will take you over. You don't have to assign every dollar before you spend it.
Yes. Wealtie doesn't connect to banks today. Every account is added with its current balance and you log what you spend, with rent and subscriptions set to repeat so they log themselves.
SOURCES · CHECKED 4 OCTOBER 2026
Run both for a month. Keep the one you open.
Wealtie's free plan has no time limit, so there's no clock on the comparison. Add an account, set a budget and see which app you still open on the 16th.
