Wealtie vs YNAB: YNAB or Wealtie? The honest version.
Both help you see where your money goes. They disagree on whether your bank should be involved, 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 | Never. 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 not connect a bank at all, or yours 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.
Wealtie never connects to a bank. 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.
