# Orla vs YNAB

URL: https://www.orla.finance/en/vs-ynab
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets, in one book.

Prices below checked on 13 September 2026, on each product's own pricing page.

#### What each one is, and what it costs

- What it is (In one sentence): Orla: One book for banks, exchanges and wallets, tax included; YNAB: Envelope budgeting for bank money, taught well
- Price (Their pricing page, this month): Orla: Free forever, no card; Starter $25 or Pro $69 a month; YNAB: $14.99 a month, or $109 a year; one tier, 34 day trial
- Banks (How accounts come in): Orla: Connected read only, or by hand; YNAB: Connected, or by hand
- Crypto (Exchanges and wallets): Orla: Six exchanges, four kinds of chain, cost basis kept; YNAB: By hand, as a manual account with a number you retype
- Getting paid (Invoices and pay links): Orla: Invoices, pay links, reminders, cards; YNAB: None; it is not what YNAB is for
- Sharing (More than one person): Orla: Spaces with roles, each with its own books; YNAB: One budget shared with up to six people
- Tax (What January looks like): Orla: Capital gains by lot, VAT, exports an accountant opens; YNAB: Not a tax product

#### When YNAB is the right choice

A comparison you can trust has to be able to say this.

- All your money is in banks, and you want a method, not just a tool.
- You budget alone or with a partner, and nobody sends invoices.
- Their envelope method is taught brilliantly, and it works.

#### The money YNAB cannot see

If any of these is your money, the comparison decides itself.

- Coins on an exchange or a wallet, priced and taxed like the rest.
- Income that arrives against an invoice, chased without you.
- A family, a trip or a company that needs its own separate books.

Connections are read only either way, and leaving takes your data with you.