Comparison
WealthMode vs YNAB
A flexible alternative to YNAB that works on your terms.
Love the idea of budgeting but looking for a different approach? WealthMode offers a free tier to get started and paid plans that won't lock you into one method.
Last verified: August 2026 · Check YNAB's current offering
No credit card required
Feature Comparison
| Feature | WealthMode | YNAB |
|---|---|---|
| Price | Free to start / $59 a year for ProFree to start / $75 CAD a year for ProBilled in CAD | $109 USD a yearabout $153 CAD |
| Budget Tracking | ||
| Goal Setting | ||
| Bank Sync | ||
| Reports & Insights | ||
| Mobile App | Coming Soon | |
| Envelope Budgeting Required | ||
| Learning Curve | Easy | Moderate |
| Import your data (CSV) |
CAD figures for other apps are approximate conversions from USD at ~1.40, as of September 2026. What you actually pay them depends on the rate at renewal, plus any foreign transaction fee your card adds.
What you get with WealthMode
Start with the free tier
Budgets, rules, reports and net worth are included in Free, with no card required. Pro adds automatic bank sync at $59 a year$75 CAD a year, billed in CAD, and its first 7 days are free.
Overspending carries
Go $36 over in June and July’s $90 budget opens at $54, unless you tell it to start fresh. Each category is a Refill budget or a Fixed one, and you choose per category.
Everything you own and owe
Your accounts, plus the things no bank syncs: a house, a car, crypto, a mortgage.
Actively maintained with community feedback
We listen closely to the community feedback and keep improving the product to satisfy our users.
Switching from YNAB?
Bring your history with you. Import your YNAB CSV in a few steps.
- 1
Export your YNAB register
In YNAB, export your budget, then unzip it and keep Register.csv.
- 2
Upload Register.csv
Create a free account and drop Register.csv into the importer.
- 3
Confirm the mapping
WealthMode reads YNAB's Outflow/Inflow columns and memos. Check the detected columns and adjust if needed.
- 4
Import
Your transactions and categories land in WealthMode, ready to budget.
Frequently asked questions
Can I move my YNAB data to WealthMode?
Yes. Export your budget from YNAB, unzip it, and import Register.csv. WealthMode understands YNAB's Outflow/Inflow format and memos.
Do I need a subscription?
No. WealthMode is free to start, with an optional Pro plan at $59 USD / $75 CAD a year. There is no required subscription to track your money.
Will my categories come over?
Yes. Categories are matched to your WealthMode categories during import, and you can create new ones on the fly.