YNAB is a zero-based budgeting app: you give every dollar a job before you spend it, and it teaches that method well. Xpenses asks a different question, how much you will have left at the end of the month, and answers it from your recurring bills and income. If you want YNAB's method, YNAB is the better choice; if you want the forecast at a lower price, read on.
| YNAB | Xpenses | |
|---|---|---|
| Price | $14.99/month or $109/year (USD, plus tax where applicable) | Free plan; Pro $3.99/month or $34.99/year |
| Free trial or free plan | 34-day free trial, no credit card required; no ongoing free plan listed | Free plan with no time limit |
| 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; file import elsewhere | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | CSV, QFX, OFX and QIF, on the web app or iPad (not on iPhone or Android) | CSV, OFX, QFX and QIF statements |
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 their bank 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 $34.99 a year for Pro, without linking a bank.
Sources
- YNAB pricing (2026-10)
- YNAB support: File-Based Import guide (2026-10)
Xpenses prices and features as of October 11, 2026.