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BudgetForge AI vs YNAB

A detailed comparison to help you make the right choice

Quick Summary

BudgetForge AI

  • 100% Free forever
  • Works completely offline
  • AI-powered insights included
  • Open source and transparent
  • Data stays on your device

YNAB

  • $14.99/month or $99/year
  • Requires internet connection
  • No AI features
  • Proprietary closed source
  • Data stored in the cloud

Detailed Feature Comparison

FeatureBudgetForge AIYNAB
PriceFree$14.99/month
Zero-Based Budgeting
Envelope Method
AI Insights
Offline Mode
Data Privacy100% LocalCloud-based
Open Source
Mobile App
Desktop App
Import from Other Apps

How to Switch from YNAB

  1. 1

    Export Your YNAB Data

    Go to YNAB Settings → Export and download your budget as CSV or JSON format.

  2. 2

    Download BudgetForge AI

    Get the free desktop app for Windows, Mac, or Linux from our website.

  3. 3

    Import Your Data

    Use our import wizard to bring in your YNAB data. Categories and transactions will be preserved.

  4. 4

    Cancel YNAB Subscription

    Once you're comfortable with BudgetForge AI, cancel your YNAB subscription to save $14.99/month.

Your Savings with BudgetForge AI

$179.88

Saved per year

$899.40

Saved over 5 years

Free forever

Ready to Make the Switch?

Join thousands who've already switched to BudgetForge AI