A side-by-side look at both apps — pricing, features, and who each one is really for.
Every row, including the ones we do not win.
| Feature | Hunch | YNAB |
|---|---|---|
| Starting price | $4.99/mo | $14.99/mo |
| Free tier | ✓ | — |
| What 'free' costs elsewhere, per year | $0/yr forever | $109/yr |
| Bank sync on the free tier | ✓ | — |
| Bank sync (Plaid) | ✓ | ✓ |
| CSV import (any bank) | ✓ | ✓ |
| AI assistant | ✓ | — |
| Auto-categorization | ✓ | Limited |
| Net worth tracking | ✓ | Limited |
| Full web app | ✓ | ✓ |
| Data export | ✓ | ✓ |
YNAB pricing and features as of July 2026 and may change. YNAB is an independent product, not affiliated with, endorsed by, or sponsored by Hunch; its name is a trademark of its owner, used here for identification only.
Most rivals lock bank connections behind a subscription. Hunch syncs your bank via Plaid even on the free plan.
If a bank is not supported for live sync, you are never blocked — import a CSV from any institution and keep going.
Ask Hunch answers questions about your money and categorizes transactions, with personal identifiers hidden from the model.
YNAB has no built-in AI assistant at all. Hunch includes one — plus a free, read-only connector that lets Claude, ChatGPT or another MCP-compatible assistant answer questions from your real accounts, on every plan.
Hunch has a free tier, unlike YNAB which is subscription-only at $14.99/mo. Hunch focuses on automatic tracking plus budgets, net worth, and AI.
Hunch offers flexible budgets and goals rather than strict envelope, give-every-dollar-a-job budgeting. If that exact method is essential to you, YNAB may fit better.
Yes. YNAB can export your register to CSV, and Hunch imports it. See the YNAB migration guide for steps.
YNAB has no built-in AI assistant. Hunch includes "Ask Hunch" for questions about your spending, plus automatic categorization.
Bring your YNAB data into Hunch in a couple of minutes — free to start.
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