SampattiTrackYNAB is a strong budgeting app with bank connections in some countries, a web app and Android support. SampattiTrack is a free, private personal finance app for iPhone and iPad that keeps a double-entry ledger and tracks investments with XIRR. This page compares them fairly, including where YNAB is ahead.
Information checked October 2026. Prices and features change, so check each app's own site or store listing for current details.
What YNAB does well
YNAB (You Need A Budget) is a budgeting app built around giving every unit of money a job. If your main goal is to change how you spend month to month, it is a focused tool with a loyal following, and it is worth taking seriously.
- More places to use it. It runs on iOS, Android and the web, so you can budget on a laptop and check on a phone. SampattiTrack is iPhone and iPad only.
- Bank connections where supported. YNAB's pricing page says direct bank import works with select banks in the US, Canada, the UK and the EU. If your bank is on that list, transactions can arrive without typing.
- A clear budgeting method. It is designed around one way of budgeting and teaches it well.
- A free trial. The trial is 34 days, and no card is needed if you sign up directly with YNAB.
Where SampattiTrack differs
SampattiTrack is a personal finance app rather than a budgeting method. It keeps a real double-entry ledger underneath, so balances always reconcile, and it covers more of the picture: accounts, credit cards, loans, net worth, cash flow and investments, as well as budgets and goals.
- Privacy by design. Your ledger is stored and computed on your device. There is no sign-up, no login, no bank connection and no analytics. Optional sync uses your own private iCloud database.
- Investments and XIRR. You can track holdings in mutual funds, stocks and gold, follow SIPs and see XIRR, which is the right measure when money goes in on many dates. See What is XIRR?
- Price. It is free, with no ads and no subscription.
- Multiple currencies. YNAB's pricing page notes one currency per budget. SampattiTrack supports several, with totals in the currency you choose.
Side-by-side comparison
| YNAB | SampattiTrack | |
|---|---|---|
| Platforms | iOS, Android, web and Apple Watch | iPhone and iPad only (iOS 26 and later) |
| Price | $14.99 a month or $109 a year, with a 34-day free trial (US dollars) | Free on the App Store, no ads, no subscription |
| Getting transactions in | Direct bank import at select banks in the US, Canada, the UK and the EU; file import elsewhere | Manual entry, CSV import, receipt scanning and bank messages through Apple Shortcuts. No bank connection |
| Where data lives | YNAB account (web and apps) | On your device; optional sync through your own private iCloud; no sign-up |
| Currencies | One currency per budget | Multiple currencies, totals shown in the currency you choose |
| Investments | Not its focus | Mutual funds, stocks, gold and other assets, with allocation, SIPs and XIRR |
| Bookkeeping model | Budget-first | Double-entry ledger underneath, with a Simple mode on top |
YNAB details are from its pricing page. SampattiTrack details are from its features page.
The bank sync question for Indian users
The biggest practical difference is how transactions get in. YNAB's pricing page lists direct bank import for select banks in the US, Canada, the UK and the EU, and says other users can use file-based import. YNAB's support guide describes file import with CSV, QFX or OFX files. We did not find India on YNAB's direct import list, so check with YNAB whether your bank works.
SampattiTrack takes a different route. It never connects to your bank. You can import a CSV statement, turn bank messages into transactions with Shortcuts, scan receipts, or type entries in a few taps. That means more manual steps than automatic sync, and it is the reason your data never leaves your device.
Who should choose which
YNAB may suit you if you want a dedicated budgeting method, you use Android or a browser, your bank is supported for direct import, or you are happy to pay a subscription for a coaching-style tool.
SampattiTrack may suit you if you use an iPhone or iPad, want one private place for spending, net worth and investments, track SIPs and want XIRR, or prefer not to link a bank or create an account.
The two are not mutually exclusive. Some people budget in one tool and keep their records somewhere else. Pick the one whose trade-offs you can live with. For budgeting styles in general, see Budgeting methods compared.
Frequently asked questions
Is SampattiTrack a YNAB alternative?
It can be, if you use an iPhone or iPad and want a private ledger with budgets, net worth and investments. It does not copy YNAB's method or its bank connections, and it is not on Android or the web.
How much does YNAB cost?
YNAB's pricing page lists $14.99 a month or $109 a year in US dollars, with a 34-day free trial. SampattiTrack is free on the App Store, with no ads and no subscription.
Does YNAB work with Indian banks?
YNAB lists direct bank import for select banks in the US, Canada, the UK and the EU, and file-based import for everyone else. We did not find India on the direct import list, so confirm with YNAB before you rely on it.
Can I move from YNAB to SampattiTrack?
You can import transactions from a CSV file. Export your data from YNAB, check that the columns suit the importer, and review the staged transactions before importing. See the CSV import guide.
Does SampattiTrack work on Android or the web?
No. SampattiTrack is for iPhone and iPad only. If you need Android or a web app, YNAB or another cross-platform tool is a better fit.
Try SampattiTrack
If your list matches the second group above, give SampattiTrack a try. Start with the getting started guide. It is free on the App Store, for iPhone and iPad.
This page is for general information. It is not investment, tax, legal or financial advice. SampattiTrack is made by the publisher of this site, so read it with that in mind. Other apps' details come from their public websites and store listings and may have changed.