Worthtally vs YNAB: budgeting app or net worth tracker?
Last updated: 18 September 2026
They are different jobs. YNAB is a budgeting method with an app around it: every dollar gets a job, transactions come in from your bank, and you reconcile weekly. Worthtally is a net worth record: what you own and owe, one number over time, with the planners and the tax pack around it. If your main problem is spending, YNAB is built for that. If your main problem is knowing where you stand, and you do not want a bank login or a subscription, Worthtally is.
The short comparison
- Price. YNAB is $109 a year or $14.99 a month after a 34-day trial. Worthtally is free for everyday tracking; Pro is $9.99 a year on the App Store and Google Play, or $29.99 once on every platform. Both read from their own pages on 2026-09-18.
- What it is for. YNAB is budgeting first, with spending and net worth reports on top. Worthtally is net worth first, with budgets, bills and recurring transactions in Pro.
- How data gets in. YNAB links your bank and imports transactions automatically. Worthtally is manual entry or CSV import. It never asks for a bank password.
- Where data lives. YNAB syncs across web, phone and tablet through its own service, so your data lives with YNAB. Worthtally keeps everything in a database on your device and never sends a figure to a server we run.
- Account. YNAB needs a login. Worthtally has no account, no sign-up and no cloud.
- Platforms. YNAB runs on the web, iOS and Android. Worthtally runs as a native app on iPhone, iPad, Mac, Android and Windows, with no web version.
- Sharing. YNAB lets up to six people share one subscription. Worthtally has no shared login; you move data between your own devices with a backup file.
Pick YNAB if
- You want to change how you spend, and you will reconcile transactions every week.
- You want your bank to feed the app so you never type a transaction.
- You share a budget with a partner and want one shared login.
Pick Worthtally if
- You want one private net worth number across cash, investments, crypto, property, vehicles and debt.
- You refuse to hand a bank password to a third party.
- You want the FIRE, retirement, emergency and debt planners and a tax pack for your accountant.
- You want to pay once and be done, and keep a real desktop app on Mac or Windows.
How Worthtally does it
Everyday tracking, including unlimited accounts and 90 days of history, is always free. Pro adds full history and is $9.99 a year on the App Store and Google Play, or $29.99 once for lifetime access on every platform. Windows is lifetime only. One Apple purchase covers iPhone, iPad and Mac, with Family Sharing. Nothing forces you into a subscription.
Pro also adds budgets by category with budget-versus-actual, custom categories and tags, bills and recurring transactions, what-if scenarios, QIF, OFX and QBO exports, a tax-year pack PDF with a quarterly breakdown and a capital-gains appendix, an accountant bundle ZIP, and live crypto prices from a read-only public price feed.
The free tier is not a demo. You get all nine account kinds (cash, checking, savings, investment, retirement, crypto, real estate, vehicle and debt), the transaction ledger, goals, the four planners, live exchange rates, CSV import, and export to CSV, JSON or Markdown at any time.
Get Worthtally
Related questions
- Can I use both?
- Yes. Some people budget in YNAB and keep the net worth record in Worthtally, because a budget app only sees the accounts you link and a house or a cold wallet is not one of them.
- Does Worthtally have budgets at all?
- Yes, in Pro: budgets by category, budget-versus-actual, bills and recurring transactions. Goals are free.
- Does Worthtally import transactions?
- By CSV, in the free tier. It never connects to a bank.
Worthtally is a Trueframe Digital app. Pay once, no account, your data stays on your device. See the Worthtally page for screenshots, the full feature list and prices.