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 | Yes | Partial |
| Free plan with no expiry | Yes | No |
| Available in Spanish | Yes | No |
| No method to learn | Yes | No |
| Priced in euros | Yes | No |
| Mobile and desktop equally | Yes | Yes |
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 manual transactions, multi-account and budgets; PRO Founder costs €19.99 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: it never asks for banking credentials and your movements do not 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.
Compare a manual workflow after MintYes. Export your YNAB movements to CSV and import them into Sumant from the Import screen: the wizard detects date, amount and category columns and leaves out exact matches unless you choose to import them.
No card. No method to learn. The free plan does not expire.
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