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Pennies 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

FactPenniesYNAB
Account syncmanualboth
Budgeting toolsYesYes
Free planYesNo
IntegrationsPennies Classic uses iCloud to back up and sync budgets across the user's Apple devices.YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps.
Mobile appsiosboth

Pennies plans

  • Monthly Subscription—
  • Annual Subscription—
  • Pennies—
  • Pennies+ Household Plan—

YNAB plans

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

Pick Pennies 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