YNAB alternative for Europe.
YNAB is the gold standard for zero-based budgeting. If you want to tell every pound where to go, it's the right tool. Wealthos is a different job.
Wealthos tracks wealth and forecasts it a decade out. It connects to 3,000+ EU and UK banks via Open Banking, converts every balance at live rates, and models life scenarios — promotion, move, home. If you want to know when you can stop working rather than what you spent on coffee, Wealthos is the fit.
Why people look for a YNAB alternative.
YNAB changes behaviour — that's the point. But it isn't a wealth tracker, it isn't multi-country in any meaningful sense, and it doesn't forecast. If you've outgrown the budgeting phase or never needed it, three gaps will show up.
No Open Banking in Europe
YNAB's direct import is US/Canada-heavy. European users usually end up importing CSVs or using third-party bridges. Wealthos uses regulated Open Banking across the EU and UK.
No forecasting
YNAB tells you about this month. Wealthos projects the next decade and recalculates when you change your inputs.
No wealth view
YNAB is spending-first. Wealthos is wealth-first — one number that reflects every account you own, in your home currency.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs YNAB.
| Feature | Wealthos | YNAB |
|---|---|---|
| Category | Wealth tracker + forecaster | Zero-based budgeting |
| Core job | "Am I on track to stop relying on the job?" | "Give every pound a job." |
| Bank coverage (Europe) | 3,000+ EU and UK banks via Open Banking (PSD2) | Limited; often CSV imports |
| Multi-currency | Native — live conversion | Single-currency per budget |
| Forecast horizon | 10 years | Current month only |
| Life-scenario simulator | Yes | No |
| AI assistant | Built-in, plus MCP for Claude / ChatGPT / Cursor | No |
| Pricing | €5/mo or €45/yr | $14.99/mo or $109/yr |
| Data residency | EU infrastructure, GDPR | US |
YNAB is $14.99/mo or $109/yr. Wealthos is €5/mo or €45/yr. For the price of one YNAB subscription you could run Wealthos for two and a half years. Different product, different price.
When YNAB is the right pick.
Let's be straight: for the specific job of zero-based budgeting, YNAB is the best in the world. Its strengths:
- The Four Rules — a genuine behaviour-change framework.
- A devoted community and free educational content.
- Excellent monthly budgeting UI built around envelope-style categories.
- Strong onboarding for people who've never budgeted before.
If you want to fix your spending behaviour and change your relationship with money, YNAB is the correct choice. Use it, then graduate to Wealthos for the long-term picture.
Who should switch to Wealthos.
Wealthos is the right call if:
- You've already got spending under control.
- You want to track wealth, not restrict spending.
- You bank across more than one European country or currency.
- You want to see where you'll be in 10 years, not just 30 days.
- You use AI tools and want them on your real financial data.
How to move from YNAB.
Most people move gradually — YNAB for the current month, Wealthos for the long view.
- 01Sign up for Wealthos — 7-day free trial on the yearly plan.
- 02Connect your European banks via Open Banking.
- 03Set your home currency, income, and forecast target.
- 04Optional: cancel YNAB once wealth tracking replaces the need, or keep both — they serve different jobs.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as YNAB — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.