YNAB Alternative
The YNAB Alternative Built for European Banks
YNAB is a great budgeting app — but it wasn't built for Europe. WonderMoney connects to your bank natively via Open Banking, tracks your investments alongside your spending, and costs 80% less.
1 month free. No credit card required.
Why Europeans Outgrow YNAB
No native European bank connections
YNAB added limited UK bank connectivity in 2023, but most European banks are unsupported. You end up importing transactions manually — which defeats the point of automation.
No investment tracking
YNAB tracks spending. It does not track your ETFs, stocks, or investment portfolio. If you invest — and most financially aware Europeans do — you need a separate tool.
Expensive for what Europeans get
YNAB costs $109/year. For European users who get no bank sync and no investments module, that's a poor deal. WonderMoney is €24.90/year with full Open Banking and portfolio tracking included.
YNAB vs WonderMoney
A direct comparison for European users.
| Feature | YNAB | WonderMoney |
|---|---|---|
| European bank connections | Limited (UK only via TrueLayer) | ✓ Full EU coverage via GoCardless |
| Automatic transaction sync | Manual import for most EU banks | ✓ Daily automatic sync |
| Investment / portfolio tracking | ✗ Not available | ✓ DEGIRO, IBKR and more |
| Net worth dashboard | ✗ Not available | ✓ Real-time, all accounts + portfolio |
| Envelope budgeting | ✓ Yes | ✓ Yes |
| GDPR compliant | Partially | ✓ Fully GDPR compliant, EU-hosted |
| Annual price | $109 / year | €24.90 / year |
Built in Europe, for Europe
Open Banking that actually works
WonderMoney is built on GoCardless, one of Europe's leading Open Banking providers. Most major European banks are supported, with new ones added regularly.
Budgets and investments in one place
Track your monthly spending with envelope budgeting AND your long-term wealth with portfolio tracking — in the same app, feeding one net worth number.
€24.90 per year. All features included.
One plan, one price. No tiers, no upsells. Full access to all features from day one.
Ready to switch from YNAB?
Try WonderMoney free for 30 days. No credit card required. Connect your European bank account in under 5 minutes.
No credit card. Setup in 2 minutes.