Best YNAB alternative
The YNAB alternative for net worth tracking
30-day money-back guarantee
Why users leave YNAB
Recurring complaints, in their own words.
$14.99/month ($179.88/year) for budgeting features you may not use
Steep learning curve - YNAB methodology takes time to master
Requires constant transaction categorization and maintenance
Bank connections via Plaid often break
Worthy fixes all of these.
Feature comparison
Frequently Asked Questions
Is YNAB worth it if I just want to track my net worth?
YNAB is excellent for detailed budgeting, but it's overkill (and expensive) if your main goal is net worth tracking. Worthy focuses specifically on tracking your total wealth without the complexity of zero-based budgeting.
How is Worthy different from YNAB?
YNAB is a budgeting app that happens to show net worth. Worthy is a dedicated net worth tracker. Worthy is simpler (60-second setup), cheaper (one-time payment vs $179.88/year), and more private (no bank connections, data stays on your device).
Can I use Worthy and YNAB together?
Absolutely! Some users use YNAB for budgeting but prefer Worthy for net worth tracking because it's faster to update and doesn't require constant transaction categorization.
Does Worthy have the YNAB 4-rule methodology?
No, Worthy doesn't do budgeting at all. It's focused purely on net worth tracking - your assets minus your liabilities. If you want to track wealth without managing a budget, Worthy is the better choice.