worthtracker vs YNAB (You Need A Budget)
Zero-based budgeting with a cult following. Here is how it compares with worthtracker for tracking your net worth.
| Feature | worthtracker | YNAB (You Need A Budget) |
|---|---|---|
| Price | Free, or $9/month for Pro | $14.99/month |
| Net worth tracking | Yes | Yes |
| FIRE calculator | Yes | No |
| Historical snapshots | Yes | No |
| Income tracking | Yes | Yes |
| No bank linking required | Yes | No |
| CSV import and export | Yes | Yes |
| Mobile app | Installable web app | Yes |
| No ads | Yes | Yes |
| Goal tracking | Yes | Yes |
| No financial product upsells | Yes | Yes |
| Asset allocation tools | Yes | No |
YNAB (You Need A Budget): what it does well
- Excellent budgeting methodology
- Strong community and education
- Good mobile apps
YNAB (You Need A Budget): where it falls short
- Expensive at $14.99/month
- Steep learning curve
- Focuses on budgeting, not net worth
- Requires bank linking for best experience
Our verdict
YNAB is excellent for budgeting but expensive for net worth tracking alone. WorthTracker is a better fit if your primary goal is tracking and growing your net worth rather than zero-based budgeting.
Try worthtracker freeBased on public information when this page was written. Check YNAB (You Need A Budget)'s own site for current prices and features.