Looking for a YNAB alternative?
YNAB has the best budgeting method on the market and has owned that for twenty years. The problem sits elsewhere: USD 109 a year billed in dollars, one currency per budget, and nothing about your net worth or your taxes.
Stay on YNAB if
- The envelope method changed how you handle money. It beats ours, and we are not pretending otherwise.
- You split the subscription six ways, which cuts the bill seriously.
- You are a student and the free year matters.
- The community and the teaching material count as much as the app.
Move to Avuru if
- You want to be billed in euros. YNAB charges USD 109 a year and says exchange rates are not reflected in the price.
- You juggle several currencies. YNAB holds one currency per budget.
- You want to track net worth, not only a budget.
- Luxembourg tax or cross-border status applies to you.
What each one does for real.
Including the boxes where we are not ready yet. A comparison page that never loses is useful to nobody.
Your accounts, from a conversation.
YNAB asks you to come and categorise. Avuru lets you do it from a conversation. You generate a key in your settings, paste it once into Claude, and then just ask. How much did I spend on restaurants in July. Add the garage invoice. Move the grocery budget to EUR 400.
YNAB does not expose an MCP server. Avuru Connect is part of the Pro plan, and the 14 day trial gives you access.
Luxembourg, not only France.
YNAB offers no tax tooling anywhere. If you live in Luxembourg, or work there while living across the border, your tax return looks like nobody else's. Six simulators handle that, and they fill themselves from your data if you let them.
Avuru does not replace a tax adviser. These simulators give you an order of magnitude, not a filing.
Knowing where you land in ten years.
USD 109 a year, no free tier, and the exchange rate is not their problem. The free tier gives you two accounts with no card. After that EUR 5.99 a month for unlimited accounts, EUR 15.99 for full budgeting and AI, EUR 36.99 for Avuru Connect. Fourteen days of trial on every paid plan, matched to the European withdrawal period so the first charge lands after it closes rather than before.
Payments are not open yet. You can use the free tier right now.
What you pay, on both sides.
Public prices as of August 2026. Neither free trial asks for a card.
- Free: 2 accounts, no card
- Lite: EUR 5.99 a month or EUR 54.99 a year
- Plus: EUR 15.99 a month or EUR 149.99 a year
- Pro: EUR 36.99 a month or EUR 349.99 a year, with Avuru Connect
- No free tier
- USD 14.99 a month or USD 109 a year
- 34 day trial, no card required
- Up to 6 people on one subscription
Frequently asked questions
How much does YNAB cost?
USD 14.99 a month or USD 109 a year, with a 34 day trial and no card required. The price is in dollars, and the publisher notes that exchange rates are not reflected in it.
Does YNAB work with European banks?
Partly. YNAB uses Plaid across eighteen European countries including France, but not every bank in a covered country shows up in the institution search, and community reports describe unstable connections. File import stays the fallback.
Does Avuru replace the YNAB method?
No. YNAB's zero-based budgeting beats ours, and so does its teaching material. Avuru covers wider ground, not the same discipline.
What does Avuru do that YNAB does not?
Net worth tracking, six Luxembourg tax simulators, control from Claude through Avuru Connect, a FIRE planner with Monte Carlo simulation, and display in euros, dollars or Swiss francs.
Does Avuru bill in euros?
Yes, only. That is deliberate: quoting a price in one currency and charging in another creates a gap the customer discovers on their statement.
Can I try it without paying?
A public demo opens with no account and no email. The free tier gives you two accounts with no card, and every paid plan comes with a 14 day trial.
Other comparisons
Try it without installing or paying anything.
The demo opens with no account and no email. If Avuru suits you, the free tier asks for no card. And if you change your mind, everything deletes in one click.
Start for free