Outlayr and YNAB, side by side.
Outlayr is a free expense tracker you fill in by sentence, voice, or receipt. YNAB is a paid budgeting method built on bank imports.
| Feature | Outlayr | YNAB |
|---|---|---|
| Price | Free. Pro monthly, yearly, or once | $14.99 a month or $109 a year, after a 34-day trial |
| Adding entries | One sentence, voice, receipt scan, CSV import | Bank import for select US, Canadian, UK, and EU banks, file import, or by hand |
| Budgets | A limit per category or per month, with where the pace ends | A spending plan that gives every dollar a job |
| Currencies | 165, converted at the rate of the day | One per spending plan |
| Runs on | iPhone. Android soon | iPhone, Android, web |
YNAB details from ynab.com, checked 3 October 2026.
Which one fits
Outlayr, if you
- Want to start free
- Spend in more than one currency
- Would rather say or scan a purchase than fill in a form
YNAB, if you
- Want your bank to import transactions
- Follow the give every dollar a job method
- Need Android or a web app today