Comparison
Layline vs YNAB
Both apps teach intentional spending. Here's how they compare.
The Bottom Line
YNAB pioneered zero-based budgeting and has a devoted following. Layline shares the same philosophy but offers a more affordable price point and a cleaner iOS-focused design. If you love the YNAB method but want a simpler, more affordable option, Layline is worth trying.
Feature Comparison
| Feature | Layline | YNAB |
|---|---|---|
| Zero-based budgeting | Yes | Yes |
| Manual transaction entry | Yes | Yes |
| Bank sync optional | N/A (manual only) | Yes |
| iOS native app | Yes | Yes |
| Web app | Coming soon | Yes |
| Savings goals | Yes | Yes |
| Reports & insights | Yes | Yes |
| Free tier | Yes | No (trial only) |
| Premium price | $4.99/mo | $14.99/mo |
| Annual price | $49.99/yr | $109/yr |
Key Differences
Pricing
YNAB costs $14.99/month or $109/year with no permanent free tier. Layline offers a generous free tier plus Premium at $4.99/month—less than half the price.
Layline: Save $60+ per year.
Learning Curve
YNAB has extensive educational content but can feel overwhelming for beginners. Layline focuses on simplicity—start tracking in minutes, not hours.
Layline: Simpler to get started.
Philosophy
Both apps share the same core principles: give every dollar a job, embrace flexibility, and build financial awareness. You'll learn the same life-changing habits with either.
Both: Same powerful method.
Platform Focus
YNAB offers web, iOS, and Android. Layline is iOS-first, built specifically for iPhone with native performance and design. Web app coming soon.
Layline: Best iOS experience.
Which is right for you?
Choose Layline if you:
- • Want a more affordable budgeting solution
- • Prefer a simpler, cleaner interface
- • Use iPhone as your primary device
- • Want to start free and upgrade later
Consider YNAB if you:
- • Need web app access today
- • Want bank sync as an option
- • Value extensive educational content
- • Use multiple platforms (Android, web, iOS)
Try the YNAB method for less
Get the same powerful budgeting philosophy at a fraction of the cost.
Start Free with Layline