Vylo vs. YNAB.
Brass Tacks: If you want to keep up with everyday spending, set budgets that fit your life and share the load at home, go with Vylo. If you like giving every dollar a job, planning ahead with savings targets and keeping separate budgets—and don’t mind spending a few extra bucks—go with YNAB.
Features
| What you get | VyloEveryday household budgeting | YNABGive your money a job before you spend it |
|---|---|---|
| Accounts & transactions | Connect supported US and Canadian accounts. Transactions sort into categories automatically. | Connect supported banks and import transactions automatically, then review them in your plan. |
| Your categories | Create your own categories and groups. Remember a merchant’s category for next time. | Create and organize your own categories and groups, with targets for spending and saving. |
| Monthly budgets | Set monthly amounts for your categories, adjust them when you need to, and track what’s left. | Assign the money you have to categories before spending it. Do it yourself or use Auto-Assign. |
| Getting started | Build a starting budget from your recent spending, then change the amounts to suit you. | For your first plan, mobile setup can suggest targets from 90 days of spending when you link accounts and enough data is available. |
| Your recent history | Your first bank connection requests 90 days of transactions, so you can look back as well as start a budget. What arrives depends on your bank. | Start your active plan with today’s balances. History used to suggest initial targets isn’t added as past transactions to that plan. |
| Reviewing purchases | Work through purchases that need attention one card at a time. Confirm the category, change it or skip it for later, on web and iPhone. | Approve and categorize imported transactions. On iPhone, card mode lets you swipe to approve or skip; web supports register and bulk review. |
| Day-to-day guidance | On iPhone, get a daily spending target from your remaining budget after allowing for expected recurring costs. | Check the money available in each category before spending. Targets show what still needs funding. |
| Looking ahead | On iPhone, see where the month is heading based on spending so far, upcoming costs and your spending pace. Open the breakdown and ignore a cost you don’t expect. | Scheduled transactions and targets help you prepare for upcoming costs. Assign money to cover them and adjust your categories as plans change. |
| Household sharing | Separate logins, one shared household budget. No extra charge for members. | YNAB Together includes you and up to five other people, with separate logins, at no extra cost. |
| Separate budgets | One household budget. A single login doesn’t manage multiple separate budgets. | Create multiple plans and choose which to share. The group manager can access members’ plans. |
| Net worth | Track supported connected investment balances alongside cash, property and debts, including assets you add manually. | Track assets and debts in net-worth reports. YNAB recommends unlinked Tracking accounts for investments because Direct Import doesn’t fully support them. |
| Monthly reviews | Open a completed month to see budget results, category totals, the biggest changes and notable purchases. Dig into the transactions behind the numbers. | Explore spending breakdowns, income versus expenses and net worth. Category details let you inspect the purchases behind a total. |
| Where you can use it | Web and iPhone. | Web, iPhone, iPad and Android. |
Bank coverage depends on your institution and account type in either app. Both support bank connections in the US and Canada.
Pricing
Web subscriptions · per household
| What you pay | Vylo | YNABBilled in USD |
|---|---|---|
| Paying monthly | $7/month $2 for your first month. | $14.99/month After the free trial. |
| Trying it out | $2 for your first month. This is a paid introduction. | 34 days free when you sign up on YNAB’s website. No credit card required. |
| Paying annually | No annual plan. Pay monthly and cancel anytime. | $109/year, paid upfront. About $9.08/month. |
| First 12 paid months | $79 total $2 + eleven $7 payments. | $109 paid annually, or $179.88 across 12 monthly payments. |
| Ongoing yearly cost | $84 across 12 monthly payments. | $109 paid annually, or $179.88 across 12 monthly payments. |
| Household members | Included | Included You and up to five other people. |
Which one’s right for you?
| What matters to you | Choose Vylo if… | Choose YNAB if… |
|---|---|---|
| How you like to budget | You want to set a monthly budget, keep an eye on your spending and get on with your day. | You like deciding what each dollar is for before you spend it, then moving money between categories as plans change. |
| What you’re planning for | You want a clear view of this month’s spending and your household’s net worth. | You want targets for future expenses and savings, or separate plans alongside a shared household budget. |
| What you want to pay for | You’d rather pay less for everyday expense tracking and budgeting, with no annual commitment. | The budgeting method suits you, and you’ll use the planning tools enough to justify the extra cost. |
Sources and details
We’re the team behind Vylo. This comparison uses our current features and YNAB’s published documentation, checked September 23, 2026.
YNAB: pricing and trial, assigning money, custom categories, automatic target setup, bank connections, sharing and separate plans, net worth and features and reports, transaction review, starting balances and investment accounts, upcoming funding needs, spending breakdowns and income and expenses.
Vylo: transaction review, projected spend and daily guidance, imported history, merchant preferences, building a budget, household sharing, net worth, monthly reports and release notes.
Prices are for web subscriptions, before taxes and special offers. Vylo bills in your local currency: USD in the US and CAD in Canada. YNAB bills in USD in both countries. The 12-month totals cover paid subscription periods after YNAB’s free trial. App Store prices may differ.
Found something that has changed? Let us know.