YNAB is powerful if you embrace its zero-based budgeting method and pay its yearly subscription in dollars. Sumant aims elsewhere: log expenses in seconds, understand your month, and pay little (or nothing) — with no bank connection.
Summary
Comparison table
| Sumant | YNAB | |
|---|---|---|
| No bank connection | ||
| Permanent free plan | ||
| Available in Spanish | ||
| No method to learn | ||
| Log expenses in 3 seconds | ||
| Priced in euros | ||
| Mobile and desktop equally |
YNAB revolves around a method: zero-based budgeting, where you give every dollar a job before spending it. It works, but you have to learn and maintain it. Sumant imposes no method: you log income and expenses in seconds, the app sorts them, and you see your month clearly. Category caps are there if you want them; skipping them is fine too.
YNAB costs $109/year or $14.99/month, billed in dollars (currency conversion and card fees are on you) with no permanent free plan. Sumant's free plan includes unlimited movements, multi-account and budgets; PRO costs €2.49/month, €24.99/year or €69 once.
See full pricing →YNAB can import movements by connecting your bank through Plaid, a third-party aggregator (with limited support for European banks); manual entry is also possible. Sumant is manual by design: it never asks for banking credentials and your movements never pass through an aggregator.
How we look after your data →If zero-based budgeting fits you as a philosophy, you are comfortable in English and the subscription pays for itself, YNAB is a mature tool with years of track record and good education behind it. Sumant is for people who want clarity without a course, at European prices.
Yes. Export your YNAB movements to CSV and import them into Sumant from Settings → Data: the wizard detects date, amount and category columns and skips duplicates.
