Looking for a YNAB alternative?
Same zero-based discipline. No forced bank linking, no $109 a year, and your expenses log themselves the moment you say them.
FloosYo turns spending into a decision, not a receipt.
YNAB is a great budgeting system, and if it works for you at $109 a year, keep it. But if you landed here, something probably isn't fitting: the price, the mandatory bank linking, or the time it takes to keep up. FloosYo takes the same zero-based idea and rebuilds it around two things YNAB doesn't do: logging expenses by voice, and showing you what your spending costs per day, month, and year before it piles up.
FloosYo vs YNAB at a glance
| FloosYo | YNAB | |
|---|---|---|
| Price | $9.99/mo · $99.99/yr | $14.99/mo · $109/yr |
| Free trial | 7 days, full app | 34 days |
| Zero-based budgeting | ✓ Payday assignment screen | ✓ Core of the product |
| Voice expense entry | ✓ AI categorized | — |
| Bank linking | Optional, never required | Required, 12,000+ banks |
| Forward projections | ✓ Daily, weekly, monthly, yearly cost | — |
| Skip & cancel reminders | ✓ | — |
| Savings goals | ✓ | ✓ Targets |
| Loan planner | — | ✓ |
| Platforms | iPhone | Web, iPhone, Android |
Where FloosYo is different
Say it, don't type it
"Spent 15 dollars at Doordash" and it's logged and categorized. Manual entry is the part of budgeting most people quit over; voice makes it a three-second habit.
See the yearly cost before it happens
A $5 daily coffee reads as $1,825 a year. YNAB tells you where money went. FloosYo tells you where it's going.
Give every dollar a job on payday
Type your income, then drag it into your budgets until nothing is left unassigned. Add a budget on the spot from templates like Groceries or Rent.
Linking is your call, not the price
YNAB is built around bank sync. FloosYo runs fully on deliberate entry, so connecting a bank is optional, never the cost of getting started.
Frequently asked questions
Is FloosYo a zero-based budgeting app like YNAB?
Yes. There's a payday assignment screen where you type your income and distribute it across envelopes until every dollar has a job.
Does FloosYo connect to my bank?
You're never required to. You log expenses by voice or typing, so linking is optional rather than the price of using the app.
How much does it cost?
$9.99 a month or $99.99 a year, against YNAB's $14.99 a month or $109 a year.
Can I try it before paying?
Yes, a full week of the app with everything unlocked.
Try the whole app
free for a week.
Everything unlocked for 7 days. If it doesn't stick, walk away.
1-week free trial.