YNAB is an excellent budgeting app, and its zero-based method (give every dollar a job) changes habits. It is built around one budget currency and a paid subscription after the free trial.
FlowFund is built for a different situation: income that changes month to month and arrives in more than one currency, plus taxes you have to estimate yourself.
| YNAB | FlowFund | |
|---|---|---|
| Price | Paid subscription after a 34-day free trial | Free plan · Pro $19/month or $190/year |
| Budgeting method | Zero-based budgeting | Budgets, goals and bills; no fixed method |
| Currencies | One currency per budget | 150+ currencies, one total in your home currency |
| Tax estimates | — | Tax Radar: income-tax estimates for 20 countries (for planning, not tax advice) |
| Freelancer revenue | — | Revenue and recurring client income (MRR) tracking (Pro) |
| Bank connection | Bank import in supported countries | Optional: bank sync in 21 European countries (Pro), CSV import or manual entry |
| Investments | — | Stock and crypto holdings inside your net worth |
| AI | — | AI insights from your own numbers (educational, not financial advice) |
| Sharing | Budget sharing available | Household sharing (Pro: 2 people, Team: up to 5) |
| Apps | iOS, Android and web | Web app; Android app in testing on Google Play |
Competitor details are general and can change; check YNAB's own site for current plans and prices. “—” means we make no claim.
No credit card, no bank connection needed. Look at the demo first if you like.