More Than Just Budgeting.
Complete Financial Intelligence.
While YNAB focuses solely on budget allocation, Ploutos Budget delivers comprehensive financial management. Track investments, detect recurring expenses automatically, and see your complete financial picture—all in one intelligent platform.
360° Financial View
Track spending, investments, loans, and assets in one unified dashboard
Smart Automation
Automatically detect and categorize recurring expenses and subscriptions
Investment Tracking
Monitor portfolio performance alongside your budget in real-time
Why Switch from YNAB
A side-by-side look at modern money management vs. basic budgeting
Intelligent Recurring Expense Detection
Save hundreds by discovering forgotten subscriptions. Our system automatically identifies recurring bills, subscriptions, and periodic expenses, helping you eliminate surprise charges from overlooked services.
Manual transaction review required. No automatic detection of recurring patterns, making it easy to overlook subscriptions and recurring charges that drain your budget.
Comprehensive Account Tracking
Complete visibility across all account types—checking, savings, credit cards, investments, loans, and assets. Know not just what each dollar is allocated for, but exactly where it is across your entire financial ecosystem.
Limited to spending accounts only. No visibility into investments, loans, or asset values, leaving you with an incomplete financial picture.
Investment Portfolio Management
Real-time portfolio tracking with automatic updates. Monitor individual holdings, asset allocation, and performance metrics. Seamlessly integrate investment growth with budget planning for true wealth management.
No investment tracking capabilities. Cannot monitor portfolio performance or integrate investment planning with budgeting strategy.
Advanced Financial Reporting
Comprehensive reports spanning all financial accounts. Visualize cash flow, net worth trends, investment performance, and spending patterns in unified dashboards that reveal your complete financial story.
Reports limited to spending accounts only. No holistic view of financial health or ability to track long-term wealth accumulation.
True All-In-One Financial Management
A unified platform that connects budgeting, banking, investing, and financial planning. Eliminate the need for multiple apps—manage your entire financial life in one intelligent system designed for modern money management.
Single-purpose budgeting tool. Requires additional apps for investment tracking, financial planning, and comprehensive reporting.
Switching from YNAB is Simple
Save $84/year on budgeting and experience financial management that goes beyond budgeting?
Average setup time with automatic bank connections
Free trial to experience the difference
Saved when purchasing monthly plan