App comparison
Amon Budget vs YNAB
This page compares two ways to budget: assigning every dollar a job with bank import, or fast manual entry by voice, receipt and AI with category budgets and no bank login.
What YNAB focuses on
Deciding what every dollar is for before you spend it, with bank direct import, targets, a loan planner, net worth reports and one subscription shared by up to six people. Official product information.
Everyday budgeting in Amon Budget
| Use case | Amon Budget | YNAB |
|---|---|---|
| Getting transactions in | By voice, from a receipt photo (Pro), by asking Ask Amon in text or by hand; no bank connection | Link your bank accounts and import transactions automatically |
| AI | Voice and Ask Amon requests become draft transactions, AI picks the category, auto-rules learn from your corrections; nothing is saved until you confirm | — |
| Budgets | Category budgets with progress, an end-of-month forecast and a daily safe-to-spend | Targets for spending and savings goals, with progress at a glance |
| Switching | Amon recognises YNAB’s CSV export; rows that match saved records are skipped, and a whole import can be undone | — |
| Looking ahead | Cash flow forecast for each account 30, 90 or 180 days ahead; debts with a repayment schedule | Loan planner: how much interest and time each extra payment toward debt saves |
| Currencies | Accounts in several currencies with transfers and a converted total | — |
| Price | Core is free; Pro is $4.99 a month on the US App Store | Free trial with no credit card asked; one subscription shared by up to six people |
Where Amon stops
- No zero-based method: budgets are limits per category, money is not assigned a job before you spend it.
- No bank connection: transactions do not arrive automatically.
- iOS and Web are available; Android is not publicly listed on Google Play yet.
How to choose
- Choose YNAB if you want a strict method that assigns every dollar before you spend it, with transactions imported from your bank.
- Choose Amon if you want to log spending in seconds by voice or receipt, keep simple category budgets, use several currencies and start for free.
Core and Pro · Investment plan · Data processing
Frequently asked questions
Can I move my data from YNAB to Amon?
Yes. Export a CSV from YNAB and import it in Amon; it recognises the YNAB format, skips rows you already have and lets you undo the whole import.
What is free and what requires Pro?
Core is free and ad-free. Pro is $4.99 a month on the US App Store; in other countries the store sets the local price. Members inherit Pro from the owner of their shared workspace.
What works offline, and where is my data processed?
Everyday budgeting is saved locally and syncs through our backend when connected. Investments, fresh exchange rates and AI need a connection. AI requests are processed through our backend by an external model provider. No bank login is requested.