Comparison
Neiliro vs YNAB
YNAB is a budgeting method with an app around it: every dollar gets a job, transactions arrive from your bank, and $109 a year covers up to six people. Neiliro is a household hub with money inside it: accounts, budgets and reconciliation next to the family's calendar, tasks and mail, encrypted in your browser, for €44.99 a year for the whole family. They overlap on money and differ on almost everything else.
| YNAB | Neiliro | |
|---|---|---|
| Price | $14.99/month or $109/year; 34-day trial | €4.99/month or €44.99/year per family; 30 days free, no card |
| Who is covered | Up to 6 people on one subscription (YNAB Together) | The whole family, however many; each with their own login |
| Method | Zero-based envelope budgeting: give every dollar a job | Accounts and categories with monthly budgets; spend what is left |
| Bank sync | Yes, automatic import from banks and cards | No — transactions are entered by hand; CSV import is on the roadmap |
| Reconciliation | Yes | Yes, against the balance at the moment of reconciling |
| Recurring payments | Scheduled transactions | Recurring rules that create the next transaction when it is due |
| Reports | Spending, net worth, income vs expense, age of money | Monthly summary per category with budgets; no net-worth or trend reports yet |
| Multi-currency | One currency per budget | Several currencies side by side, no conversion |
| Privacy of amounts and notes | Standard cloud storage | Notes and names encrypted in your browser; amounts and dates stay readable so budgets add up |
| Beyond money | — | Calendar, tasks, notes, lists and a family mailbox in the same app |
| Apps | iOS, Android, web | Web app for every device; add it to the home screen |
| Your data | CSV export | Full archive in one click; restores into the free self-hosted edition |
| Open source | — | Yes, AGPL-3.0 |
Where YNAB is the better pick
- Budgeting is the thing you want to get serious about, and the zero-based method appeals to you.
- You want transactions to arrive on their own from the bank — Neiliro asks you to type them, for now.
- You want reports: net worth over time, age of money, spending trends.
Where Neiliro is
- You want the family's money next to the family's everything else — the dentist appointment, the school letter, the grocery list — rather than a dedicated finance app.
- Privacy matters: the notes on your transactions, the names of your accounts and categories are encrypted where you type them, with a key we don't hold.
- Several currencies are your normal — expat households, a salary in one and rent in another.
- You'd rather pay €44.99 for everyone than $109 for a budget alone.
- You want the door open: full export anytime, and a free self-hosted edition.
Try Neiliro free for 30 days, no card: create your family, or poke around the demo first.
YNAB is a trademark of its owner. This page describes YNAB's publicly listed features and prices as of September 2026; tell us at [email protected] if something is out of date.