MyFina vs YNAB
MyFina as a YNAB alternative
YNAB is a great envelope-budgeting tool, but it's expensive ($109/yr), USD-anchored, has no PSD2 sync for EU banks, and isn't localized beyond English. If you're in the EU or need multi-currency — MyFina covers ~90% of YNAB's features at a lower price.
Feature comparison
| MyFina | YNAB | |
|---|---|---|
| Annual price | from $48 (Pro) | $109 |
| Free tier | ||
| Multi-currency | 14 currencies + manual rates | USD-anchored |
| Category budgets | ||
| Recurring budget lines | Via scheduled txn | |
| Savings goals | ||
| Bank sync (Monobank) | ||
| PSD2 sync (EU banks) | ~30 banks | |
| Family budget | Up to 10 members (Family) | Via shared budget |
| Debt tracking | Built-in | Via accounts |
| Subscriptions auto-detect | ||
| Localization | 14 languages | English |
| Open API | OpenAPI 3.1 | Closed |
How to migrate from YNAB
- 1Export your budget from YNAB via File → Export Budget Data (.zip).
- 2Unzip — inside is a CSV with transactions and categories.
- 3Import the CSV into MyFina via Transactions → Import. The wizard recognises the YNAB format and suggests column mapping.
What to know before migrating
- No ads, no trackers — we're not Google or Mint.
- Account hard-delete in one click via Settings → Data.
- Open OpenAPI 3.1 — export back to YNAB or any ledger any time.