Switch from YNAB
Flexible planning. Private collaboration.
Choose Miyo for forgiving monthly envelopes, flexible groups, and account-level household privacy. Choose YNAB when strict cash-backed allocation and deeper register workflows are the priority.
Where the experience differs.
Sub-buckets
- In YNAB
- Categories don't nest — a group is just a label, so a Vacation fund can't hold a specific trip inside it.
- In Miyo
- A general Vacation fund with a specific Japan trip drawing from it. Real nesting, not labels.
Flexible 50/30/20 groups
- In YNAB
- Overspend one category and you're pulling from another to zero it back out.
- In Miyo
- Overspend a sub-category and you're fine as long as the group has room — budget the way you actually think.
Simple mode
- In YNAB
- Zero-based budgeting means giving every dollar a job before you can move on.
- In Miyo
- Envelopes without the zero-based homework — overspend is forgiving, not a chore to reconcile.
Account-level privacy
- In YNAB
- YNAB Together includes up to five additional people with separate logins, but its manager can see member-owned plans and shared-plan access is broad.
- In Miyo
- Couple and Family tiers add private and shared account choices, so collaboration does not require exposing every account.
How Miyo compares — as of July 2026
| Feature | Miyo | YNAB |
|---|---|---|
| Sub-bucketsA general fund with specific goals drawing from it. | ✓ | ✗ |
| Flexible group budgetsOverspend a sub-category; stay fine if the group has room. | ✓ | ✗ |
| Simple (non–zero-based) modeEnvelopes without the zero-based homework. | ✓ | ✗ |
| Account-level household privacyMiyo can keep an account private or share it; YNAB Together uses plan-level access. | ✓ | ✗ |
| Separate household loginsBoth products support separate credentials for household members. | ✓ | ✓ |
| Rollover envelopesUnspent money rolls forward — the same as YNAB. | ✓ | ✓ |
| Import your YNAB data | Transactions + budget history; some YNAB-only state needs review | Native plan data and exports |
| Price | Live by tier on /pricing | $109/yr or $14.99/mo (verified July 2026) |
Comparison reflects YNAB's publicly documented features as of July 2026. YNAB is a trademark of You Need A Budget, LLC; Miyo is independent and not affiliated with or endorsed by YNAB.
Your YNAB data comes with you.
- 1
Export from YNAB
Download your Register and Plan as CSV — the two files YNAB gives you.
- 2
Upload to Miyo
Drop both files into the import wizard. We map your accounts, categories, and balances.
- 3
Review the imported history
Transactions and budget history come across. YNAB-only card-payment, cleared, flag, and payment-link state may need review.
Switching questions, answered.
Do I lose my history when I switch?
Miyo imports YNAB Register and Plan CSV data, including transactions and budget history. YNAB-only state such as live card-payment categories, cleared or flag metadata, and some payment links may require review after import.
Is it zero-based like YNAB?
Not yet in the strict cash-backed sense. Miyo Simple uses forgiving monthly envelopes, and the current Advanced experience adds planning depth without yet providing YNAB-equivalent card reserves and cash-versus-credit overspending consequences.
What about my partner?
YNAB includes household members through YNAB Together. Miyo's Couple and Family tiers focus on a different job: separate logins plus account-level private and shared visibility when those tiers are available.
What does it cost?
Miyo prices Individual, Couple, and Family separately, and only live billing configurations can be purchased. Current Miyo prices and its 14-day card-required paid trial are shown on /pricing; YNAB was $109/year or $14.99/month with a 34-day trial when verified in July 2026.
Is my data safe?
Yes. Bank connections are read-only through Plaid, and your CSV export stays yours — nothing is locked after a trial ends. See /security for how we handle it.
Bring your budget. Keep your history.
Create an account and review your import. Available paid tiers use a 14-day, card-required trial; current prices are always shown on the pricing page.