Looking for a YNAB alternative?
Same zero-based discipline. No bank linking, no $109 a year, and your expenses log themselves the moment you say them.
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 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 | 48 hours, no credit card | 34 days |
| Zero-based budgeting | ✓ Payday assignment screen | ✓ Core of the product |
| Voice expense entry | ✓ AI categorized | — |
| Bank sync | — By design | ✓ 12,000+ banks |
| Forward projections | ✓ Daily, monthly, yearly cost | — |
| Skip & cancel reminders | ✓ | — |
| Goals & 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.
Your bank credentials stay at your bank
No linking, no third-party aggregator reading your transactions. What you log is all the app knows.
When YNAB is the better choice
We'd rather you pick the right tool than churn out of the wrong one:
- You want transactions imported automatically from your bank.
- You budget on desktop or Android; FloosYo is iPhone only today.
- You need debt payoff planning or savings goal targets.
- You budget together with a partner in one shared account.
Try the whole app free for 48 hours
No credit card. If it doesn't stick, nothing to cancel.
Download on the App StoreFrequently 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?
No, and that's deliberate. You log expenses by voice or typing. If automatic import matters most to you, YNAB is the better fit.
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, 48 hours of the full app, no credit card required.