The free YNAB alternative
Budget by OpenApps is a free YNAB alternative: Free. No subscription, no trial. YNAB's free plan: No free plan after a 34-day trial.
What each one costs
| App | Free plan | Paid plans |
|---|---|---|
| Budget | Free. No subscription, no trial. | None |
| YNAB | No free plan after a 34-day trial. | No free plan after a 34-day trial. YNAB lists $14.99 a month or $109 a year (2026). |
The method is great, but it costs $109 a year to keep using it.
Switching from YNAB
Set up the same categories in Budget, enter your account balances and assign what you have. Import your bank's CSV to catch up.
Questions
Is there a free alternative to YNAB?
Yes. Budget by OpenApps does what YNAB does for zero-based budgeting, for free, with no sign-up.
Does YNAB have a free plan?
No free plan after a 34-day trial. That is from YNAB's own site, checked October 19, 2026.
What does YNAB cost?
No free plan after a 34-day trial. YNAB lists $14.99 a month or $109 a year (2026).
How do I switch from YNAB?
Set up the same categories in Budget, enter your account balances and assign what you have. Import your bank's CSV to catch up.
Can an AI assistant use Budget instead of YNAB?
Yes. Budget has a public API that needs no key, so an assistant can do the job for you.
YNAB is a trademark of its owner. OpenApps is not affiliated with it. YNAB's paid prices above are approximate and change often; check its site for current pricing.