The YNAB Alternative
with cash flow forecasting built in.
Envelope budgeting you know and love — plus forward-looking forecasting, debt payoff tools, and a free tier that doesn't expire.
myLiquiFlow vs YNAB
| Feature | myLiquiFlow | YNAB |
|---|---|---|
| Envelope budgeting | ✓ Free | ✓ Paid |
| Cash flow forecasting | ✓ Built-in timeline | ✗ |
| Debt payoff calculator | ✓ Snowball + Avalanche | ✗ |
| Free tier | ✓ No time limit | ✗ 34-day trial only |
| Works offline | ✓ Offline-first PWA | ✗ Requires internet |
| Multi-currency | ✓ | ✓ |
| Shared budgets | ✓ Pro | ✗ |
| YNAB import | ✓ CSV + ZIP | — |
| Bank sync | Manual import | ✓ Auto-sync |
| Price | Free / $12 Pro | $14.99/mo |
Why switch from YNAB?
YNAB is a great budgeting system, but it's missing tools that modern budgeters need. There's no way to see your projected cash flow, no debt payoff calculators, and the $14.99/month price tag adds up.
myLiquiFlow gives you the same envelope budgeting approach with automatic rollovers and monthly close-out — plus a full cash flow timeline that shows you what's coming before it happens. Add in snowball/avalanche debt calculators, and you've got a complete financial command center.
Already using YNAB? Import your data in minutes. The import wizard reads YNAB export files, maps your categories, detects recurring bills, and gets you up and running without re-entering everything.
Import your YNAB data and see the difference.