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7.0#104 in personal finance software$4.99 one-timeFree planiOSmacOS
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| Fact | Subscro | YNAB |
|---|---|---|
| Account sync | manual | both |
| Bill tracking | Yes | Yes |
| Free plan | Yes | No |
| Mobile apps | ios | both |
| Security | The maker says data is stored locally and protected by PIN or Face ID/Touch ID, with optional encrypted iCloud sync. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
You want what its maker publishes above — check its page for the details.
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.