Love Budgeting, Hate Paying $109/Year?
Meet rMoney.
YNAB pioneered great budgeting habits—but it now costs $545 over 5 years, forces your entire financial life onto cloud servers, and refuses to forecast future cash flow. rMoney gives you fast, local-first desktop budgeting plus a 365-Day "What-If" Cash Flow Simulator for $0 Forever (or $29 once for Pro).
Save $516 Over 5 Years
YNAB charges $109 every single year ($545 over 5 years). rMoney has a Free Forever Edition for up to 2 accounts, and rMoney Pro is a $29 one-time lifetime license.
Look 365 Days Forward
YNAB only lets you budget dollars you currently hold. rMoney combines live monthly budget pacing with a 365-Day Cash Flow & "What-If" Simulator so you can model future paychecks, bills, and big purchases a full year out.
100% Local SQLite Privacy
Like classic YNAB 4, rMoney runs natively on your desktop (Tauri v2 + SQLite). No Plaid credential sharing, no cloud outages, and sealed AES-GCM-256 .rmvault encryption.
Feature-by-Feature Comparison
rMoney vs. YNAB (You Need A Budget)
| Feature | rMoney Free ($0) | rMoney Pro ($29 Once) | YNAB ($109/yr) |
|---|---|---|---|
| 5-Year Total Cost | $0 Forever | $29 One-Time | $545.00 |
| Data Storage & Privacy | 100% Local SQLite | Local SQLite + AES-GCM-256 Vault | Cloud Servers Only |
| Monthly Budget Pacing & Splits | ✓ Included | ✓ Included | ✓ Included |
| 365-Day Cash Flow Forecasting | ✓ Baseline 365-Day Curve | ✓ Full "What-If" Scenario Simulator | ✗ Not Supported |
| Single-Instance Bill Overrides | ✓ Included | ✓ Included | ✗ Modifies Entire Series |
| Debt Snowball vs. Avalanche Planner | Preview | ✓ Side-by-Side + CSV Amortization | Basic Loan Payoff Simulator |
| Receipt & PDF Invoice Attachments | Up to 3 Receipts | ✓ Unlimited Receipt Vault | ✗ None |
| Executive PDF Reports (P&L, Tax) | Cash Flow Overview PDF | ✓ P&L, Net Worth, Variance & Tax PDFs | ✗ Basic Web Charts Only |
Keep Your $109/Year in Your Own Budget
Download rMoney Free Forever (includes the 1-click Showcase Demo Profile) or unlock rMoney Pro for a one-time $29 lifetime license.