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Switch to Jarrah.See the difference.
See how Jarrah compares to what you're using now.
YNAB costs $180/year. Jarrah costs $0.
Jarrah’s free tier includes everything YNAB charges for — budgets, categories, reports, and more. Plus native Australian bank support and an AI budget planner that YNAB doesn’t offer.
| Feature | Jarrah | YNAB |
|---|---|---|
| Price | Free | $14.99/mo USD |
| AI budget planner | ||
| Native AU bank support | ||
| Custom categories & groups | ||
| Budget targets | ||
| Reports & exports | ||
| Investment tracking | ||
| Recurring commitments | Basic | |
| Shared expense tracking | ||
| Data quality scoring | ||
| Split transactions |
Your banking app shows one account. Jarrah shows the full picture.
Banking apps are convenient for checking one balance. Jarrah aggregates all your accounts, investments, and liabilities into a single view with real budgeting tools.
- Multi-account aggregation across all your banks
- Custom categories that work across every account
- Net worth tracking with assets, liabilities, and investments
- AI-powered budget planning based on your full income
- Recurring commitment tracking with overdue alerts
- Professional financial reports for any period
Keep the control you love. Lose the formulas.
If you track your finances in Excel or Google Sheets, you already care about precision. Jarrah gives you the same control with automatic categorisation, vendor rules, and reports that build themselves.
- Import your existing data via CSV or Excel in seconds
- Custom categories and vendor rules replace your spreadsheet logic
- Professional reports without hours of formatting
- Data quality scoring shows how complete your picture is
- AI assistant suggests budgets based on your real spending
- Free forever — no subscription to replace your free spreadsheet
They show you what happened. Jarrah helps you decide what happens next.
Consumption-tracking apps auto-categorise and show summaries. Jarrah gives you active control with custom categories, per-category budgets, vendor rules, and a provisions system for recurring expenses.
- Custom categories and vendor rules — not just auto-categorisation
- Per-category budget targets with AI-powered suggestions
- Dedicated provisions system for recurring bills and commitments
- Split transactions across multiple categories
- No ads, no financial product referrals — transparent business model
- Investment portfolio tracking with contribution history
Ready to make the switch?
Free to get started. Import your data in seconds. No credit card required.