Financial
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Financial IQ vs YNAB, for UK budgeters who want a choice of method and their tax in view.

YNAB is built around giving every pound a job. Financial IQ gives you six budgeting methods to choose from, a plan to clear your debts with a debt-free date, and the tax on your income building through the year.

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Why people switch
Personal is free forever, priced in pounds with no trial clock.
Six budgeting methods, so you can pick the one that fits how you're paid.
Your tax building through the year, and your company in the same view if you run one.

Feature by feature

Financial IQYNAB
Budgeting methods50/30/20, Zero-Based, Pay Yourself First, Envelope, Anti-Budget, CustomYesSix to choose fromBuilt around giving every pound a job
A plan to clear your debtsSnowball or avalancheYesWith your debt-free dateLoan planner and loan calculator
Your tax, building through the yearAs you're paid, across the tax yearYesSpending and net worth reports
Net worth, including your companyYesNet worth report across your accounts
Your company in the same accountBusiness and Personal under one loginYesPersonal budgeting
Explains the numbers in plain EnglishGuides and a learning section in the appYesWorkshops, teaching and a strong community
Built for the UKYesUK only, priced in poundsPriced in US dollars
PricePersonal is free forever. A live bank feed is £2 a month per account, if you want one.A 34-day free trial, then a paid subscription. A free year for students

Checked against YNAB’s own pricing and feature pages on 2 October 2026. Spot something out of date? Tell us and we’ll correct it.

  1. 1
    Upload a statement or add a bank feed

    Start from a statement you already have. A live feed is £2 a month per account if you want one.

  2. 2
    Pick a budgeting method

    Six to choose from, from 50/30/20 and Zero-Based to Envelope and Anti-Budget.

  3. 3
    See what's safe to spend and your tax as it builds

    Your budget shows what's left this month, and the tax on your income builds up as you're paid.

Questions people ask before switching

Can I still give every pound a job?

Yes. Zero-Based is one of the six methods, and it works the same way: every pound of income is given a job before you spend it.

Do I need a bank feed?

No. Upload a statement to get started. If you'd like transactions to arrive on their own, a live feed is £2 a month per account.

Is YNAB ever the better choice?

If you want one proven method taught well, YNAB's workshops and community are excellent. Giving every pound a job changes habits for a lot of people.

Move from YNAB and see your budget, your debts and your tax together, free from today.

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