Subskim vs YNAB
YNAB is a paid budgeting app where you give every dollar a job by assigning it to a category, and you can link bank accounts to import transactions or keep accounts unlinked and enter them yourself. Subskim is a free renewal calendar you fill in by hand or from a screenshot, with no bank connection and each subscription in its own currency.
Last updated October 15, 2026
Subskim vs YNAB, feature by feature
| Feature | Subskim | YNAB |
|---|---|---|
| How subscriptions get in | Added by hand or imported from a screenshot of a billing page (up to 50 imports a month) | You enter recurring bills yourself as scheduled transactions, repeating from daily to every other year; transactions from Direct Import or File-Based Import are matched and approved against them automatically |
| Bank connection | Not needed; Subskim never asks for bank logins | Optional: link accounts for Direct Import through MX or Plaid, or add unlinked accounts and enter transactions yourself |
| File import | No CSV or bank file import | Yes, CSV, QFX, OFX or QIF files from your bank in the web app (QFX, OFX or QIF on an iPad); not on iPhone or Android |
| Currencies and countries | Each subscription keeps its own currency; totals convert to your main currency | One currency per plan, with a separate plan recommended for each currency; Direct Import supports select US, Canadian, UK and EU banks, with File-Based Import for other regions |
| Renewal calendar | Yes, the core view, plus a list and a dashboard with monthly and yearly totals | Scheduled transactions are listed at the top of each account register, and a category's details show this month's upcoming amounts and what will be left after them |
| Reminders and notifications | Not yet; email and push reminders are coming next | App notifications today when new transactions are ready to import or need approving, income arrives or cash is overspent; its notifications guide does not list a reminder before a scheduled bill |
| Budgeting and net worth | No; monthly and yearly subscription totals only | Yes, the core of the app: you assign every dollar to a category, with targets, a loan planner, and spending and net worth reports |
| Apps | Web now; iOS and Android coming soon | Web (in the browser, no desktop download), iPhone, iPad, Android and Apple Watch |
| Price | Free, every feature included, no card to sign up | $14.99/month or $109/year; 34-day free trial with no card when you sign up directly, 30 days through the App Store; one subscription covers up to six people |
Choose Subskim if
- You only want to track subscriptions and renewals, for free, without setting up a full budget or linking a bank.
- You pay for tools in more than one currency and want each subscription kept in its own currency, with totals in your main one.
- You want free trials flagged with the date they convert and the price, and a monthly review to keep, downgrade or cancel each subscription.
Choose YNAB if
- You want a full budget where you give every dollar a job, with targets, a loan planner and spending and net worth reports.
- You want transactions imported from linked accounts at select US, Canadian, UK and EU banks, or from CSV, QFX, OFX or QIF files, matched to your scheduled bills, with app notifications when new transactions need your attention.
- You budget with a partner or family: one subscription covers up to six people, on web, iPhone, iPad, Android and Apple Watch.
YNAB details checked on October 15, 2026 from YNAB's public pages. Plans and features change, so check their site for the latest.YNAB pricing pageYNAB features pageWhy YNAB Is DifferentYNAB app lineupYNAB Help: How to Add an AccountYNAB Help: How Direct Import WorksYNAB Help: Adding Transactions Without Direct ImportYNAB Help: File-Based ImportYNAB Help: Scheduled TransactionsYNAB Help: Managing NotificationsYNAB Help: Using Multiple Currencies in YNABYNAB Help: The YNAB AppYNAB on the App Store (US)
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