The Best Alternative To YNAB | Free online personal finance software

Thinking of switching away from YNAB? You have come to the right place. Thousands of users have happily made the switch to Buxfer and here's why.

Why YNAB might not be the right choice for you

YNAB is based on a very rigid budgeting philosophy, which is complex to understand and only works well for a small number of users.
YNAB requires a lot of manual work on a daily basis to keep your account uptodate. Most likely, that's not something you will enjoy. Which means, you might start off with YNAB and even like it for a few weeks, but you will end up not sticking with it for a longer time.
YNAB is a fairly basic product, offering only budgeting, but lacks the ability to deal with advanced features such as forecasting, investments and retirement planning.

Why people are switching from YNAB to Buxfer

I've given up on trying to understand YNAB
—Reddit
YNAB is NOT for the faint-hearted, there's a LOT of work that needs to go into it.
—Reddit
I'm exhausted by the religious fervor of YNAB'ers and the 'YNAB Way' after just two months.
—Reddit
I tried really hard to like ynab, but I just couldn't get the hang of it.
—Hacker News

See why Buxfer is better than YNAB

Feature	Buxfer	YNAB
Automation	Requires minimal manual effort. Supports automatic categorization and rules, which let you automate a variety of mundane tasks.	Requires lot of manual effort. Limited support for automatic categorization.
Budgeting	Offers flexible budgeting, allowing you to budget your way.	Rigid and inflexible. It's their way or the highway.
Forecasting	Forecasts your future spending, income and account balances based on your past spending data.	Not supported
Investments	Automatically syncs with your investment accounts and provides in-depth reporting for your holdings, portfolio, allocation and investment performance.	Not supported
Retirement Planning	Allows planning for retirement and other long term goals like buying a house, or your kids' education.	Not supported
Multiple Currencies	Full-fledged support for multiple currencies.	Not supported
Access Control	Allows sharing access to your account with your family or accountant.	Not supported

Automation
Buxfer	Requires minimal manual effort. Supports automatic categorization and rules, which let you automate a variety of mundane tasks.
YNAB	Requires lot of manual effort. Limited support for automatic categorization.
Budgeting
Buxfer	Offers flexible budgeting, allowing you to budget your way.
YNAB	Rigid and inflexible. It's their way or the highway.
Forecasting
Buxfer	Forecasts your future spending, income and account balances based on your past spending data.
YNAB	Not supported
Investments
Buxfer	Automatically syncs with your investment accounts and provides in-depth reporting for your holdings, portfolio, allocation and investment performance.
YNAB	Not supported
Retirement Planning
Buxfer	Allows planning for retirement and other long term goals like buying a house, or your kids' education.
YNAB	Not supported
Multiple Currencies
Buxfer	Full-fledged support for multiple currencies.
YNAB	Not supported
Access Control
Buxfer	Allows sharing access to your account with your family or accountant.
YNAB	Not supported