Is Trackm really free to try?

Yes — 30 days, no credit card required. All features are fully available during the trial. After 30 days you can pay $35 once to keep adding transactions, or continue viewing your existing data for free.

Does Trackm have automatic bank sync?

No. You enter transactions manually. For most people this takes 30–60 seconds a day and keeps you more aware of your spending. If automatic import is a hard requirement, YNAB is the better fit.

How is Trackm's privacy different from YNAB?

YNAB uses Plaid to connect to your bank, meaning a third party has access to your transaction data. Trackm uses zero-knowledge encryption — your data is encrypted with a key derived from your password, and Trackm's operators cannot read it under any circumstances.

What happens if Trackm shuts down?

You receive at least 90 days notice and a full refund if you paid within 30 days of the announcement. Your data remains readable throughout.

Can I switch my data from YNAB to Trackm?

YNAB allows you to export your transactions as CSV. You can use that export as a reference to set up your pockets in Trackm. There is no automated import from YNAB at this time.

Trackm vs YNAB:
envelope budgeting for $35 — not $109 a year

Last updated: March 2026

YNAB raised its price 118% since 2014. Trackm costs $35 — once, forever.

Same envelope-budgeting philosophy, zero-access encryption, no renewal. This page compares the two honestly, including where YNAB still has the edge.

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What you actually pay

YNAB's subscription adds up fast. Trackm is a single payment — no renewals, ever.

	YNAB	Trackm
1 year	$109	$35
3 years	$327	$35
5 years	$545	$35
10 years	$1,090	$35

YNAB pricing as of 2026. Trackm is a one-time payment that never changes.

Feature comparison

Both apps share the same budgeting philosophy. Here is what is different.

	YNAB	Trackm
Pricing	$109 / year	$35 once
Free trial	34 days	30 days
Envelope / pocket budgeting	✓	✓
Recurring rules	✓	✓
Deficit forecast — exact day a pocket runs out	—	✓
Zero-access encryption	—	✓
Operator cannot read your data	—	✓
Isolated per-user database	—	✓
Automatic bank sync	✓	—
Mobile app	iOS + Android	PWA (installable)

Privacy: a fundamental difference

YNAB shares your data with Plaid. Trackm's operator cannot read your data at all.

How your data is handled

YNAB connects to your bank via Plaid, a third-party aggregator that has access to your transaction history.
Trackm has no bank sync and no third parties involved.
Your data is encrypted with a key derived from your password — Trackm's servers never hold it and cannot read, subpoena, or sell it.

What Trackm does not do

Honesty matters. Here is where YNAB has the edge.

No automatic bank sync

YNAB connects directly to your bank and imports transactions automatically.
Trackm does not. You enter transactions yourself.
For most people, manual entry takes 30–60 seconds a day and keeps you more aware of spending. But if bank automation is a hard requirement, YNAB is the better fit.

Who should use which

Both are good tools. The right choice depends on what you value.

Choose YNAB if you…

Need automatic bank import
Are already paying and satisfied
Want the largest budgeting community
Don't mind an ongoing subscription

Choose Trackm if you…

Want to pay once and own it forever
Care about zero-access encryption
Are comfortable entering transactions manually
Want to know exactly which day a pocket runs out

Common questions

Is Trackm really free to try?: Yes — 30 days, no credit card required. All features are fully available during the trial. After 30 days you can pay $35 once to keep adding transactions, or continue viewing your existing data for free.
Does Trackm have automatic bank sync?: No. You enter transactions manually. For most people this takes 30–60 seconds a day and keeps you more aware of your spending. If automatic import is a hard requirement, YNAB is the better fit.
How is Trackm's privacy different from YNAB?: YNAB uses Plaid to connect to your bank, meaning a third party has access to your transaction data. Trackm uses zero-knowledge encryption — your data is encrypted with a key derived from your password, and Trackm's operators cannot read it under any circumstances.
What happens if Trackm shuts down?: You receive at least 90 days notice and a full refund if you paid within 30 days of the announcement. Your data remains readable throughout — you are never locked out.
Can I switch my data from YNAB to Trackm?: YNAB allows you to export your transactions as CSV. You can use that export as a reference to set up your pockets in Trackm. There is no automated import from YNAB at this time.