YNAB teaches a method: give every dollar a job before you spend it. If that method works for you, keep it. If you mainly want to budget by category, see where your money goes and track your net worth, NetWorth+ does that for free, without a bank login.
At a glance
YNAB and NetWorth+
In short
NetWorth+ is a free alternative to YNAB for iPhone and Android. It budgets by category, tracks net worth, credit cards, loans and shared bills, and never connects to your bank. It does not use YNAB's zero-based method, where every dollar is assigned before you spend it; if that method is why you use YNAB, YNAB is the better choice. YNAB costs $109 a year. NetWorth+ is free, with Pro at $49.99 a year.
YNAB
$109 a year
NetWorth+
Free. Pro $49.99 a year
Method
Budgets by category
Bank login
Never asked for
Compared
| YNAB | NetWorth+ | |
|---|---|---|
| Price | $109 a year, or $14.99 a month | Free. Pro $49.99 a year, or $7.99 a month |
| Free plan | A free trial, then paid | Yes |
| Budgeting method | Zero-based: every dollar gets a job | Budgets by category |
| Connects to your bank | Optional | Never |
| Net worth | Yes | Yes |
| Split bills with other people | No | Yes |
| Sharing with a partner | Subscription sharing | Shared bills, and one account's balance read-only |
YNAB's prices are from ynab.com, checked October 2026.
Being fair
YNAB's method is the product, and for a lot of people it works.
Assigning every dollar before you spend it changes how people think about money, and YNAB's guides and workshops are built around teaching it. NetWorth+ does not teach a method. It shows you the picture and leaves the rules to you.
YNAB can also import from your bank if you choose to link it. NetWorth+ never will, so you add transactions yourself, import a CSV, or type them to Numo.
What you get
Set a monthly amount for groceries, dining out or anything else, and see what is left as you spend.
Every account and debt in one figure, with a history that shows the trend.
Split costs with a partner or roommates, equally, by percentage or by exact amounts.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Questions
On iPhone and Android. No ads, and your data is never sold.
Android and iPhone. No bank login. No ads.