Tovari vs YNAB
YNAB's the closest thing we have to a real rival. Here's where we differ, and where we don't.
Annual cost
$5.99/mo or $44.99/yr
$14.99/mo
Competitor details as of August 2026. Pricing changes without notice.
We agree with YNAB about the things most budgeting apps skip. Both of us do envelope budgeting with real rollover. Both of us reconcile against your statement instead of asking you to trust the sync. And both of us treat money moved between your own accounts as one movement with two sides, not two unrelated transactions. If you've used YNAB and liked how it thinks, you'll be at home here.
Where we split is price, forecasting, and what happens to your data. We're $44.99 a year. YNAB is $109. We compute a safe-to-spend number and YNAB doesn't — that's a deliberate call on their side, not an oversight, because they think your category balances already answer the question. We spot recurring bills and project them forward, where YNAB waits for you to enter each scheduled transaction yourself. And our export hands you everything; YNAB's stops at 10,000 transactions, which a household a few years in will hit.
Tovari and YNAB (You Need A Budget)
| Feature | Tovari | YNAB |
|---|---|---|
| Starting price | $5.99/moor $44.99/yr | $14.99/mo |
| Annual cost | $44.99 | $109 |
| Envelope budgeting with true rollover | opt-in per category | |
| Automatic bank sync | ||
| Statement reconciliation | ||
| Automatic transfer detection | linked, double-entry | |
| File import | CSV, OFX, QFX + saved mapping profiles | + QIF |
| Full data exportDiffers | complete archive | 10,000-txn cap |
| Safe-to-spend numberDiffers | — | |
| Recurring bill detectionDiffers | + forecast | you create them |
| Two-factor authentication | ||
| Household sharing | 5 people | 6 people |
12 rows. 3 differ, 7 are the same in both, and 2 are price.
Competitor details as of August 2026. Based on YNAB's published documentation, pricing pages, and help centers as of that date. Competitor pricing changes without notice. The same figures appear in the full five-way comparison on our pricing page.
Where YNAB is the better choice
YNAB reads QIF files and we don't. If that's the only format your bank hands out, YNAB opens it and we'd make you convert it first. They've also got something we can't manufacture: twenty years of method, a huge community, and a library of teaching that has changed how a lot of people handle money. If that's what you're shopping for, YNAB is the real thing and it earns its price. YNAB also lets six people share a budget, and we stop at five.
Try it for 14 days
$5.99/mo or $44.99/yr. The trial needs a card to start, and you can take everything with you the day you decide to leave.
Other comparisons
Or see all five side by side on the pricing page.