Looking for a YNAB alternative?

YNAB does one thing extremely well: envelope budgeting. Every pound gets a job before you spend it. If that discipline is what you need, YNAB delivers. But YNAB is only a budgeting tool. Investment accounts show as a single balance with no performance tracking. There is no cash flow forecasting, no financial insights engine, and no retirement planning.

Endute is an all-in-one financial management platform. Budgets, investments, net worth, FIRE planning, reports, subscription tracking, and spending insights all live in one place. If you have outgrown budgeting and want to see the full picture, including how your investments are performing and when you might reach financial independence, that is where Endute picks up.

YNAB lets you add investment accounts as "tracking accounts" that show a balance. You update that balance manually. There is no automatic sync, no individual holding view, no returns calculation, no benchmark comparison, and no dividend tracking. YNAB's own documentation positions this as intentional: they are a budgeting tool, not an investment tool.

Endute tracks every holding: daily price updates on stocks, ETFs, bonds, and funds. You get TWR and MWR calculations, benchmark comparisons against indexes you choose, multi-currency valuations, and a full transaction history per security. If your investments are a meaningful part of your finances, YNAB leaves that entirely to you to figure out elsewhere.

YNAB operates in a single currency per budget. If you have accounts in multiple currencies, the official recommendation is to create separate budgets. A third-party plugin exists for currency conversion, but it is not a YNAB product and requires API access.

Endute supports 150+ currencies natively. All accounts, investments, and assets are converted to your reporting currency automatically using daily FX rates. Net worth, budgets, and every report work across currencies without separate budgets, plugins, or manual conversion.

YNAB does budgeting and three reports, and charges $109/year for it. Endute is £69.99/year for that same budgeting plus investment performance tracking, FIRE planning with Monte Carlo and backtesting, eleven report types, cash flow forecasting, AI insights, subscription tracking, and 150+ currency support.

Both are single-tier, ad-free, and come with generous trials: 34 days for YNAB, 37 for Endute. The real difference is reach. YNAB perfects one discipline. Endute gives you the whole financial picture in one place, with budgeting sitting inside investments, net worth, and a retirement plan rather than standing alone. If budgeting is all you need, YNAB is superb at it. If you want it to be one part of a complete toolkit, that is where Endute fits.