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Looking for a free YNAB alternative? ExpenseEasy offers AI-powered expense tracking with receipt scanning, voice input, and privacy-first design -- all without the $14.99 monthly price tag.
| Feature | ExpenseEasy | YNAB |
|---|---|---|
| Price | Free | $14.99/mo |
| Receipt Scanning | Yes (AI-powered) | No |
| Bank Connection Required | No | Yes |
| Privacy-First (Local Storage) | Yes | No (Cloud) |
| AI Categorization | Yes (Automatic) | Manual |
| Voice Input | Yes (Multi-language) | No |
| Budget Goals | Yes | Yes |
| Spending Reports | Yes | Yes |
YNAB is a popular budgeting tool, but ExpenseEasy delivers more features at zero cost while keeping your financial data private.
YNAB charges $14.99 per month, which adds up to nearly $180 per year. ExpenseEasy provides powerful expense tracking, AI categorization, and budget management at no cost. That money you save on the subscription? Put it right back into your budget. No trial periods, no hidden fees, no credit card required -- just download and start tracking.
YNAB requires you to connect your bank accounts, handing over your most sensitive credentials to a third-party service. ExpenseEasy takes a privacy-first approach: all your data is stored locally on your device. You never have to share banking details with anyone. Scan receipts, use voice input, or add transactions manually -- your finances stay on your phone, where they belong.
While YNAB relies on manual entry and bank syncing, ExpenseEasy uses advanced AI to scan your receipts instantly, categorize expenses automatically, and even let you log transactions by voice in nearly any language. Spend less time managing your money and more time building your savings. The AI learns your spending patterns to give you smarter insights over time.
YNAB (You Need A Budget) has been a household name in personal finance since 2004. Its zero-based budgeting methodology has helped millions get their finances under control. However, at $14.99 per month, many people are looking for a more affordable alternative that still delivers powerful budgeting and expense tracking features.
ExpenseEasy is that alternative. As a free expense tracker and budget planner, ExpenseEasy combines the best of modern AI technology with a privacy-first philosophy. Unlike YNAB, which stores all your financial data in the cloud and requires bank connections, ExpenseEasy keeps everything on your device. Your spending history, budget goals, and financial insights never leave your phone.
One of the biggest advantages of ExpenseEasy is its AI-powered receipt scanning feature. Simply snap a photo of any receipt, and ExpenseEasy extracts the merchant name, total amount, date, and individual items -- then automatically categorizes the expense. YNAB does not offer receipt scanning at all, meaning you must enter every transaction manually or wait for bank syncing, which can take days.
ExpenseEasy also offers multi-language voice input, allowing you to speak your expenses naturally. Say something like "spent twelve dollars at Starbucks for coffee" and ExpenseEasy handles the rest -- parsing the amount, merchant, and category from your voice. This feature supports nearly any language, making it accessible to users worldwide. YNAB offers no voice input capability at all.
Join thousands of users who have switched to ExpenseEasy for a smarter, free, and more private way to manage their money.