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Money Lover vs YNAB

Money Lover

7.5#50 in personal finance softwareFree plan
Free planAndroidiOSWebWindows
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YNAB logo

YNAB

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

FactMoney LoverYNAB
Account syncbothboth
Bill trackingYesYes
Budgeting toolsYesYes
Free planYesNo
HeadquartersHanoi, VietnamLehi, Utah, USA
Mobile appsbothboth
Report exportYesYes
SecurityMoney Lover says sensitive data exchanges use an SSL-secured channel and are encrypted and protected with digital signatures.YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing.

Money Lover plans

  • FreeFree
  • Premium—
  • Linked Wallet Service—
  • Money Lover FreeFree
  • Money Lover PremiumPriced on request

YNAB plans

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

Pick Money Lover 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