Xero vs YNAB
A detailed comparison of Xero and YNAB in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero 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 | Xero | YNAB |
|---|---|---|
| Starting Price | $13/mo | $14.99/mo |
| Plans Available | 3 | 1 |
| Year Founded | 2006 | 2004 |
| Headquarters | Wellington, New Zealand | Lehi, Utah |
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency | ||
| Zero-based budgeting | ||
| Bank syncing | ||
| Goal tracking | ||
| Reports | ||
| Real-time sync | ||
| Education |
Pricing Comparison
Compare all available plans and pricing tiers
Xero Pricing
YNAB Pricing
$109/yr
Frequently Asked Questions
Is Xero or YNAB better in 2026?
Both Xero and YNAB are excellent finance services. Xero offers Bank reconciliation and Invoicing, while YNAB features Zero-based budgeting and Bank syncing. The best choice depends on your specific needs and budget.
How much does Xero cost compared to YNAB?
Xero starts at $13/month, while YNAB starts at $14.99/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Xero and YNAB subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Xero 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 Xero, YNAB, or both — track all your subscriptions in one place with smart alerts and analytics.