MonyaA YNAB alternative for people whose bank YNAB can’t connect
YNAB is a great zero-based budgeting app, but its bank sync works best with US banks, costs $109 a year, and each budget uses one currency. Monya is an alternative for people with banks outside the US or money in several currencies: it never connects to your bank, you record spending by voice or with a screenshot of any banking app, and every account keeps its own currency. There’s a free version.
Free version forever. Premium comes with a free trial.
Monya vs YNAB at a glance
| YNAB | Monya | |
|---|---|---|
| Price | $14.99/month or $109/year, 34-day free trial | Free version; Premium with a free trial |
| How spending gets in | Bank sync (best with US banks), manual entry, file import | Voice, screenshot of any banking app, bank notifications (Android), CSV import, manual entry |
| Banks outside the US | Direct import for the UK and select EU banks; many countries unsupported | Any bank, because nothing connects to the bank |
| Several currencies | One currency per budget; a separate budget for each currency | Each account in its own currency, totals in your main currency |
| Budgeting method | Zero-based: give every dollar a job | Monthly limits by category with alerts at 80% and 100% |
| Sharing | YNAB Together, up to 6 people | Family budget, one Premium covers the family |
| Languages | English | 18 languages |
Prices and features checked October 2026.
When YNAB is the better choice
If you bank in the US, want strict zero-based budgeting and like YNAB’s method and community, stay with YNAB. It’s very good at what it does, and Monya doesn’t try to copy its method.
When Monya fits better
- Your bank isn’t supported by YNAB’s sync, or the connection keeps breaking.
- You get paid in one currency and spend in another.
- Typing every purchase is the reason you stopped budgeting before.
- You’d rather not give any app your bank login.
FAQ
Is Monya cheaper than YNAB?
Monya has a free version with manual entry, budgets, reports and 5 AI entries a month. Premium costs less than YNAB and starts with a free trial.
Does Monya do zero-based budgeting like YNAB?
Not in the same way. Monya uses monthly limits by category and warns you before you overspend.
Can I use Monya with a bank YNAB doesn’t support?
Yes. Monya doesn’t connect to banks, so any bank in any country works.
Can I share a budget with my partner?
Yes, and one Premium subscription covers the family.
Try a budget that works with your bank
No bank login, any currency.
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