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Accounts 3 Checkbook vs YNAB

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YNAB

8.5#4 in personal finance softwareFrom $109 a year
AndroidiOSWebAPI
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What both publish

FactAccounts 3 CheckbookYNAB
Bill trackingNoYes
Budgeting toolsNoYes
Free planYesNo
IntegrationsThe app syncs data across iPhone, iPad, and iPod Touch through iCloud and supports backups through iCloud, Dropbox, or email.YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps.
Mobile appsiosboth
Net-worth trackingNoYes
Report exportYesYes
ReportsReports and graphs summarize monthly income versus expenses and spending or income by category.Spending and net-worth reports provide graphs and charts about spending and wealth.
SecurityThe app offers passcode security and Touch ID or Face ID authentication.YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing.

Accounts 3 Checkbook plans

  • Accounts 3 Lite—
  • Accounts 3 Checkbook$4.99, paid once

YNAB plans

  • Monthly Plan$14.99 a month
  • Annual Plan$109 a year
  • College ProgramFree
  • Free TrialFree

Pick Accounts 3 Checkbook if…

You want what its maker publishes above — check its page for the details.

Pick YNAB if…

YNAB suits people who want a structured spending plan, savings targets, reports, or help planning debt payments. It may also work for households sharing one subscription, with up to six people supported.

Charts they share