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Recontrol and YNAB, compared

YNAB (You Need A Budget) is a budgeting app built around one method: give every dollar a job.

As of 22 October 2026, from each product's own pages.

Side by side

QuestionRecontrolYNAB
Price$79.99 a year or $7.99 a month$109 a year or $14.99 a month1
Free planYes: every account, plan and personNone; students get a free year1
SharingAs many spaces as you need, each with the people you chooseTwo to six people on one subscription, all with full edit access2
CurrenciesEach account in its own; totals in the one you chooseOne currency per plan, no conversion3
Bank syncBank accounts and cards in the US and Canada, through Plaid; stock and mutual fund holdings from Zerodha in IndiaUS, Canada and 18 European countries, through Plaid and MX4
AIChat, with a subscription; a free connector for Claude and ChatGPTA ChatGPT app for budgeting questions; it can't see your accounts5

Where YNAB is ahead

  • A complete budgeting method, with free workshops.6
  • Bank sync in Europe too.4
  • Importing files of past transactions.7

Where Recontrol is different

Every transaction records where money came from and went, so paying off a card is never spending.

Moving over from YNAB

Export your plan from YNAB to keep a copy, then connect your banks through Plaid for up to two years of history. Recontrol can't import a file yet, and its budgets are limits, not YNAB's method.

Sources

  1. YNAB pricing
  2. YNAB Together
  3. Using multiple currencies in YNAB
  4. Direct Import in Europe
  5. YNAB and ChatGPT
  6. YNAB workshops
  7. File-based import

Unnumbered rows are common knowledge. Out of date? Tell support@recontrol.money.

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