Side by side
| Feature | UrBudget | YNAB |
|---|---|---|
| Price | $9 once, on all your own computers, with future updates | $14.99 a month, or $109 a year |
| Free trial | 30 days, with no account or card | 34 days with no card when you sign up with YNAB directly; a free year for college students |
| Runs on | Windows 10 and 11, macOS 12 or later | The web, iPhone, Android and Apple Watch |
| Where your budget lives | In a file on your computer. Works offline, with automatic backups | On YNAB's servers, synced across your devices |
| Between devices | Optional sync for $2 a month, encrypted with your passphrase before it leaves your computer | Included, in real time |
| Bank connections | None. Import statement files (CSV, OFX, QFX, QIF), checked row by row | Direct import from select US, Canadian, UK and EU banks, plus file import |
| Sharing | Your own computers; no shared budget for several people | Up to six people on one subscription |
| Method | Envelopes with targets, credit-card payment categories, rollover and Quick assign | The same method; YNAB is where it comes from |
| Getting your data out | CSV in YNAB's layout, or a full JSON backup | CSV export of the plan and register |
What it costs over time
Over five years, YNAB's yearly plan comes to $545. UrBudget comes to $9, or $129 if you also keep sync on the whole time.
Which one fits you
YNAB, if you
- want transactions to arrive from your bank on their own (where YNAB supports your bank)
- budget on your phone as you spend
- share one budget with a partner or family
UrBudget, if you
- budget at your computer and want the budget in a file you own
- would rather not give a budgeting app your bank login
- want to pay once: $9 instead of $109 a year
- are leaving YNAB and want your history to come with you, checked month by month
Switching takes one click
Paste a YNAB token into UrBudget and choose Import & save. Your accounts, transactions, categories, targets, notes and scheduled transactions come over, and every month is checked against YNAB's own totals. You can keep using YNAB while you try it, and import again to pull in what changed. See how switching works.
Try it for a month
Free for 30 days, with no account and no card. Your YNAB budget stays as it is.
YNAB's prices, trial and features are from ynab.com/pricing, checked October 17, 2026. Prices are in US dollars, before tax. YNAB is a trademark of its owner. UrBudget isn't affiliated with YNAB.