FreshBooks vs YNAB
A detailed comparison of FreshBooks and YNAB in 2026. Compare pricing plans, features, and find out which finance service is right for you.
FreshBooks
Invoicing and accounting for freelancers
FreshBooks is a financial and accounting service that provides invoicing and accounting for freelancers. Founded in 2003 and headquartered in Toronto, Canada, FreshBooks offers 3 pricing plans. Plans start from $19/month. Key features include Invoicing, Time tracking, Expense tracking, Online payments. FreshBooks is a popular choice for users looking for quality finance subscriptions.
YNAB
Personal budgeting with a proven methodology
YNAB is a financial and accounting service that provides personal budgeting with a proven methodology. Founded in 2004 and headquartered in Lehi, Utah, YNAB offers 1 pricing plan. Plans start from $14.99/month. Key features include Zero-based budgeting, Bank syncing, Goal tracking, Reports. YNAB is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | FreshBooks | YNAB |
|---|---|---|
| Starting Price | $19/mo | $14.99/mo |
| Plans Available | 3 | 1 |
| Year Founded | 2003 | 2004 |
| Headquarters | Toronto, Canada | Lehi, Utah |
| Invoicing | ||
| Time tracking | ||
| Expense tracking | ||
| Online payments | ||
| Project management | ||
| Estimates | ||
| Zero-based budgeting | ||
| Bank syncing | ||
| Goal tracking | ||
| Reports | ||
| Real-time sync | ||
| Education |
Pricing Comparison
Compare all available plans and pricing tiers
FreshBooks Pricing
YNAB Pricing
$109/yr
Frequently Asked Questions
Is FreshBooks or YNAB better in 2026?
Both FreshBooks and YNAB are excellent finance services. FreshBooks offers Invoicing and Time tracking, while YNAB features Zero-based budgeting and Bank syncing. The best choice depends on your specific needs and budget.
How much does FreshBooks cost compared to YNAB?
FreshBooks starts at $19/month, while YNAB starts at $14.99/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both FreshBooks and YNAB subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including FreshBooks and YNAB. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose FreshBooks, YNAB, or both — track all your subscriptions in one place with smart alerts and analytics.