A YNAB alternative for reviewing accounts together.
Choose Warm to see accounts, spending, and net worth together. Choose YNAB if you want a zero-based budget that assigns income to spending and savings categories.
| At a glance | Warm Plus | YNAB |
|---|---|---|
| Investment and crypto tracking | Yes | No |
| Cash flow analysis | Yes | No |
| Financial health score | Yes | No |
| Category budgets | Yes | Yes |
| Billed yearly | $60 | $109 |
| Billed monthly | $6 | $14.99 |
Plus covers up to 2 bank logins. Pro is $200 yearly or $20 monthly for up to 10. All prices in US dollars. YNAB adds tax where applicable. Source: ynab.com/pricing .
What is different about Warm.
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See your money together.
Bring connected accounts, imports, net worth, cash flow, and recurring charges into one view.
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Budget without assigning every dollar.
Set category budgets and savings goals without adopting an envelope method.
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Connect an AI tool you choose.
Create a key for a supported AI tool to read your data. It can request changes to Warm records through your approval flow. It cannot move money.
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Warm runs as a hosted service.
Use Warm online. It is not open-source or available to self-host.
Common questions. Straight answers.
Does Warm support zero-based budgeting like YNAB?
Warm supports category budgets and savings goals. YNAB is built around assigning every dollar a job.
Is Warm cheaper than YNAB?
Warm Plus costs $60 a year; YNAB costs $109. Warm Pro costs $200 a year and covers up to 10 bank logins.
Can I connect my bank accounts to Warm safely?
You sign in at your bank. Warm never gets your bank password and cannot move money.