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The Showdown

YNAB (You Need A Budget)vsgo-money

Why pay monthly fees for YNAB (You Need A Budget) when you can self-host go-money for free? Let's look at the facts.

YNAB (You Need A Budget)

The Expensive Option

  • Closed Source (Black box)
  • Expensive monthly fees per user
  • Data stored on their servers
WINNER

go-money

The Freedom Choice

  • 100% Open Source Code
  • Free forever (Self-hosted)
  • You own your data completely
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Interactive Calculator

Calculate Your "SaaS Tax"

SaaS pricing is designed to scale with your success. See how much wealth transfers from your bank account to YNAB (You Need A Budget)'s shareholders.

10 people
150100200+
$

*Estimated standard pricing for YNAB (You Need A Budget). Adjust if needed.

Estimated Annual Waste
$1,440
Monthly Burn Rate$120
5-Year Projection$7,200
Cost with Self-Hosted$0
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Calculations based on 10 users at $12/mo.

Detailed Breakdown

0
Cloud-stored data
Local/Self-hosted database
1
Web-app latency
Compiled Go binary speed
2
Automated Plaid integration
Manual/CSV import