A YNAB alternative that costs $9.99. Once.
YNAB charges $109 every year, forever. SomedayFund gives you the same envelope budgeting approach for a one-time $9.99 — plus a permanent free plan, manual entry with no bank login, and trip expense tracking built in.
SomedayFund vs YNAB, side by side
| YNAB | SomedayFund | |
|---|---|---|
| Pricing | $109/year, forever | $9.99 once — yours forever |
| Free plan | 34-day free trial only | Permanent free plan |
| Budgeting style | Envelope / zero-based | Envelope budgeting (Pro) + budget caps (Free) |
| Bank account linking | Optional bank sync (US-focused) | None — manual entry, works anywhere |
| Works outside US/EU | Limited bank coverage | Yes — no bank dependency |
| Trip / group expenses | Not built in | Occasions — built in |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Data encryption | Standard | AES-256 field-level encryption |
Why people switch from YNAB
YNAB's envelope budgeting method works — that's not in question. The recurring cost is the friction: $109/year, every year, with no way to ever stop paying if you want to keep your budgeting history.
SomedayFund uses the same proactive, assign-your-income approach (Envelope Budgeting, included in Pro), but the math only works once. Pay $9.99 a single time and every future Pro feature is included — forever.
SomedayFund is also manual-entry by design, not as a limitation but as the point: no bank credentials are ever stored, and it works the same whether you're in the US, Sri Lanka, or anywhere bank-sync tools like Plaid simply aren't available.