Coinly
Comparison

Coinly vs YNAB — when one budget isn't enough.

YNAB is a great single-household budget. Coinly is what you reach for when life has more moving parts — a yacht, a family home, a side business, multiple currencies and people you actually want to share with.

Side-by-side comparison

FeatureCoinlyYNAB
Multi-asset (home, car, boat, business, trip) Yes No
Multi-currency with daily FX30+ currenciesSingle currency
AI receipt scanning Yes No
Bank connections (EU + UK)30+ countries via Enable BankingUS/CA focus
Shared access with co-owners / accountantPer-asset rolesSingle household
Zero-based budgeting Yes Yes
Warranties & document storage Yes No
Free tier Yes No
PricingFrom €0 — paid plans below YNAB~$109/year

Comparison based on publicly listed features at time of writing. YNAB is a trademark of its respective owner; Coinly is not affiliated.

Why people switch to Coinly

  • They started with a personal budget — then bought a boat, opened a side business, or moved across borders.
  • They share finances with a partner, co-owner, captain or accountant — and need real roles, not shared logins.
  • They hold cash in EUR, USD, GBP — and want one truthful number, not five spreadsheets.
  • They want AI to read the receipt, not to type it for an envelope.

When YNAB is still the right pick

  • •You want one strict envelope method for one household in one currency.
  • •You're deeply invested in the YNAB community, classes and rules.
  • •You don't need shared access beyond a spouse.

Both are good tools. Pick the one that fits your life, not the other way around.

Frequently asked

Is Coinly a free YNAB alternative?

Coinly has a free tier with no card required. Paid tiers unlock bank connections and higher AI usage and are priced below YNAB's annual subscription.

Can I import my YNAB data?

Yes — export your YNAB transactions to CSV and import them into any Coinly asset. Categories can be mapped during import.

Does Coinly use the envelope method?

Coinly supports zero-based budgeting per category and per asset. You allocate, track and roll over — without forcing one rigid method on every asset.

Does Coinly support multiple currencies?

Yes. 30+ currencies with daily FX, converted to each portfolio's base currency. YNAB is single-currency.

See for yourself in five minutes.

Free to start, no card required. Import your YNAB CSV and keep going.