Frustrated that your budgeting app only handles 50% of your financial picture? Paying for basic features that haven't evolved in years? You're not alone. You are not alone - thousands are switching to smarter financial planning.
YNAB still requires manual transaction entry for many accounts, wasting hours of your time each month on data entry instead of actual financial planning.
No off-budget account tracking means you can't see your complete financial picture. Your emergency fund, savings goals, and investment accounts are invisible to YNAB.
YNAB completely ignores your investment portfolio, retirement accounts, and wealth-building strategies. It's budgeting without the financial planning.
No automatic duplicate detection means you're constantly cleaning up transaction errors and dealing with reconciliation headaches.
Want to test "what-if" scenarios? YNAB offers no scenario planning features, forcing you to gamble with your real budget instead of modeling different financial futures.
Premium pricing for basic features that haven't evolved. No AI insights, no forecasting, no investment tracking - just expensive manual budgeting that wastes your time.
| Feature | YNAB | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Manual Transaction Entry | ✓ | ✗ |
| Duplicate Detection | ✗ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Annual Cost | $109 | Free tier available |
Join thousands of former YNAB users who switched to Delphina for complete financial visibility, automatic bank sync, and AI-powered insights - all at a fraction of the cost.
See how Delphina's 30-year forecasting crushes YNAB's month-to-month budgeting.
Compare AI-powered budgeting with YNAB's manual transaction entry approach.
Discover why YNAB can't help you achieve FIRE while Delphina builds your path to financial independence.
Manual transaction entry wastes hours each month. No investment tracking means you're only seeing half your financial picture. Zero-based budgeting can't handle long-term wealth building.
Automatic bank sync and AI categorization save you time. Complete financial visibility including investments and net worth. 30-year forecasting builds real wealth, not just monthly budgets.
Tracks only spending categories, ignoring investments, retirement planning, and wealth building. You're budgeting without building actual wealth.
Complete financial picture including investments, net worth tracking, and wealth building strategies integrated with your budget for true financial growth.
$109/year for manual data entry and basic features that haven't evolved in years. No AI, no forecasting, no investment tracking.
Free tier with comprehensive features. Premium plans offer AI-powered insights, 30-year forecasting, and complete wealth building tools.
Yes, Delphina automatically syncs with your bank accounts using Open Banking, saving hours of manual entry every month.
Delphina includes full investment tracking, net worth calculations, and portfolio analysis - features YNAB lacks entirely.
Delphina offers more features at a lower price, including AI insights, 30-year forecasting, and comprehensive planning.
Delphina provides 30-year cash flow forecasting, retirement planning, and scenario analysis - way beyond YNAB's monthly focus.
Yes, Delphina can import your financial data to get you started quickly with better planning tools.