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.
WonderMoney is moving to free & open source — read why.
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 moving to a free, open-source model 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 Enable Banking |
| 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 | See your connected financial data together in one place. Bank data updates when providers supply it, and market values update regularly as available. |
| Envelope budgeting | Yes | Yes |
| Read-only Open Banking | Partially | Read-only Open Banking |
| Annual price | $109 / year | Free (open source, BYOK) |
European bank connections
YNAB
WonderMoney
Automatic transaction sync
YNAB
WonderMoney
Investment / portfolio tracking
YNAB
WonderMoney
Net worth dashboard
YNAB
WonderMoney
Envelope budgeting
YNAB
WonderMoney
Read-only Open Banking
YNAB
WonderMoney
Annual price
YNAB
WonderMoney
Built in Europe, for Europe
Open Banking that actually works
WonderMoney is built on Enable Banking, 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.
Free, open source. All features included.
One plan, one price. No tiers, no upsells. Full access to all features from day one.
Ready to switch from YNAB?
New sign-ups are paused while we move to a free, open-source model — see our FAQ.
Free, open-source, bring your own API keys.
YNAB is a trademark of You Need A Budget LLC. WonderMoney is not affiliated with or endorsed by YNAB.
WonderMoney is not a bank, brokerage, or financial advisor. We are a technology platform that uses read-only Open Banking to show your financial data in one place. We do not provide financial, investment, or tax advice.