SumiQ vs YNAB

These two solve different problems. YNAB (You Need A Budget) is a full budgeting METHOD: every dollar gets a job, transactions flow in from your bank, and the app teaches you the discipline. SumiQ is a fast, private expense TRACKER: you say what you spent, it keeps one clear total and per-category budgets on your iPhone. Worth saying plainly: SumiQ is our app - the table below sticks to verifiable facts.

Choose SumiQ if you want

• to log an expense in three seconds by saying it out loud
• your finances to stay off servers entirely: no accounts, nothing leaves the phone
• real multi-currency life - travel or income in one currency, spending in another
• a price around a quarter of YNAB's yearly cost

Choose YNAB if you want

• the full zero-based budgeting method with rollover and "aging your money"
• transactions imported automatically from US/UK bank accounts
• a shared budget for up to six family members and a web app
• reports and education built around changing your habits, not just recording them

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Bottom line: if you want a budgeting system that manages every dollar and pulls data from your bank, YNAB earns its price. If you want to actually capture every coffee without friction and keep the data on your device, that is exactly what SumiQ is built for.

Sources: YNAB pricing, SumiQ on the App Store.