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 costs $109/year. Endute costs £49.99/year at launch pricing (about $63). Both have generous trials (YNAB 34 days, Endute 37 days), single-tier pricing, and no ads.

The difference is scope. YNAB's $109 gets you budgeting and three reports. Endute's price gets you budgeting, investment tracking, FIRE planning with Monte Carlo and backtesting, eleven report types, cash flow forecasting, AI insights, subscription tracking, and multi-currency support. It is roughly half the price for a product that covers far more ground.