YNAB charges $14.99/month. IfISaved gives you budgeting, net worth tracking, investment monitoring, retirement planning, and more — free to use, with a low-cost option for automatic bank sync via Plaid.
Try IfISaved →See exactly what you get — and what you save.
| Feature | IfISaved Free + Plaid* | YNAB $14.99/mo |
|---|---|---|
| Price | Free + Plaid* | $14.99/mo ($179.88/yr) |
| Budget Tracking | ✓ | ✓ |
| Net Worth Dashboard | ✓ | ✗ |
| Investment Tracking | ✓ | ✗ |
| Retirement Planner | ✓ | ✗ |
| Debt Payoff Planner | ✓ | ✗ |
| Property Tracking | ✓ | ✗ |
| Bank Sync | Plaid* | Direct |
| Partner / Advisor Sharing | ✓ | ✗ |
| Mobile App | ✗ | ✓ |
| No Ads | ✓ | ✓ |
| Free Option Available | ✓ | ✗ |
* The full app is free. Automatic transaction updates via Plaid are available for a low monthly fee, still well under YNAB's $14.99/mo. Manual entry is always free.
YNAB is a great budgeting tool — but it stops there. IfISaved covers your entire financial life.
YNAB charges $180/year for budgeting. IfISaved's full app is free. Add automatic bank sync via Plaid for a low monthly fee — and you're still spending far less than YNAB annually.
YNAB focuses purely on cashflow budgeting. IfISaved tracks your entire investment portfolio — holdings, performance, and allocation — all in one dashboard.
YNAB has no retirement planning tools. IfISaved projects your retirement savings year-by-year, factors in Social Security, and models Roth conversions.
YNAB only tracks what flows through your budget. IfISaved shows your complete net worth — every account, investment, property, and debt in one place.
Model the avalanche or snowball method to see exactly when you'll be debt-free and how much interest you'll save — a tool YNAB doesn't offer.
Share a read-only view with your spouse or financial advisor at no extra cost. YNAB requires separate paid accounts for shared access.
Get started in minutes. No import required — just sign in with Google and connect your accounts.
The full IfISaved app is free — budgeting, investments, retirement planner, debt payoff, all of it. Automatic bank transaction syncing via Plaid is available for a low monthly fee, which is still significantly less than YNAB's $14.99/month. Manual transaction entry is always free.
IfISaved uses flexible category budgets where you set monthly limits per category. It supports rollovers and sinking funds. It's not a strict "give every dollar a job" workflow, but covers most of the same use cases.
YNAB exports CSVs which you can use to manually set up your categories and opening balances in IfISaved. Or you can setup bank sync via Plaid and it will handle the past few months of transaction history going forward.
IfISaved is currently a web app optimized for desktop and mobile browsers. A native mobile app is on the roadmap.
IfISaved gives you budgeting, investments, retirement planning, and more — free to use, with optional low-cost bank sync via Plaid.
Get Started →