YNAB is a zero-based budgeting app: you give every dollar a job before you spend it, and it teaches that method well. Its prices are set in US dollars. Xpenses answers a different question, how much you will have left at the end of the month, from your recurring bills and income, and charges in Canadian dollars. If you want YNAB's method, YNAB is the better choice; if you want the month-end forecast for less, read on.
| YNAB | Xpenses | |
|---|---|---|
| Price | US$14.99/month or US$109/year, plus tax where applicable (YNAB says it is priced in US dollars) | Free plan; Pro $4.99/month or $44.99/year, plus applicable sales tax |
| In-app price (Canadian App Store) | YNAB Subscription listed at $18.49 and $149.00 | Purchases are made on the web only |
| Free trial or free plan | 34-day free trial, no credit card required when you sign up directly; no ongoing free plan listed | Free plan with no time limit (one bank account) |
| Platforms | iOS, Android and web | Web app on any device; iPhone and Android apps in preparation |
| Sharing | One subscription shared with up to six people | Pro covers a shared wallet for two |
| Bank connection | Direct import for select US, Canadian, UK and EU banks | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | CSV (preferred), QFX, OFX and QIF, on the web app or some iPads; not on iPhone or Android | CSV, OFX, QFX, QIF and CAMT statements |
| French | Canadian App Store listing: English only | English and French |
YNAB is the better fit if…
YNAB suits people who want to follow zero-based budgeting closely, share one subscription with up to six people, and have select Canadian banks feed transactions in directly.
Xpenses is the better fit if…
Xpenses suits people who want to know what is left at month end, keep a free plan, or pay $44.99 a year for Pro in Canadian dollars, without linking a bank.
Sources
- YNAB pricing (2026-10-12)
- YNAB support: File-Based Import guide (2026-10-12)
- YNAB on the App Store (Canada) (2026-10-12)
Xpenses prices and features as of October 11, 2026.