Wallet by BudgetBakers
8.1#6 in personal finance softwareFree planFree planAndroidiOSWeb
VisitWallet by BudgetBakers vs YNAB
What both publish
| Fact | Wallet by BudgetBakers | YNAB |
|---|---|---|
| Account sync | both | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Founded | 2014 | 2004 |
| Free plan | Yes | No |
| Headquarters | Prague, Czech Republic | Lehi, Utah, USA |
| Integrations | Wallet offers MCP connections for AI assistants and a REST API for tools such as Excel and Power BI. | YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps. |
| Mobile apps | both | both |
| Net-worth tracking | Yes | Yes |
| Report export | Yes | Yes |
| Security | BudgetBakers states it is ISO 27001 certified, PCI DSS compliant, and PSD2 licensed, and that bank access is read-only. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
Wallet by BudgetBakers plans
- FreeFree
- Premium Lifetime—
- Premium Monthly—
- Premium Yearly—
YNAB plans
- Monthly Plan$14.99 a month
- Annual Plan$109 a year
- College ProgramFree
- Free TrialFree
Pick Wallet by BudgetBakers if…
Wallet suits people who want budgeting, bill monitoring and net-worth tracking across mobile and web devices. It also fits households needing shared finances, users importing historical records, Premium subscribers who want API access, and users seeking AI-assistant connections.
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.