A free YNAB alternative for the UK

By The Income Tracker · Updated 16 June 2026

The short answer

Want YNAB's clarity without the monthly fee? The Income Tracker is free, needs no sign-up, and is built for the UK. Import a CSV from any UK bank, track income and spending month by month, and keep your data private in your browser.

What people actually want

YNAB is genuinely good. But it costs money, and its method can feel like a lot when all you want is to see your income, your spending and what is left. The usual wish list for an alternative is short: free, no subscription, works in the UK, and ideally no bank linking.

How The Income Tracker compares

It is free, with no account required. It is built around UK banks, so you download a CSV from Barclays, HSBC, Monzo, Starling and others and import it in seconds. You get a month-by-month ledger, drag-and-drop categories, recurring items and an annual savings projection. No envelope system to learn.

The trade-off is honest. This is not a full zero-based budgeting system like YNAB, and it will not auto-sync over open banking. If you want a simple, private, free way to see where your money goes, that is the whole point.

The Income TrackerTrack it free. No account, no bank login.
Open the tracker →

Frequently asked questions

Is there a free alternative to YNAB?
Yes. The Income Tracker is a free, no-subscription budgeting tool for the UK. You import a CSV from your bank and track income and spending month by month, with no account or bank login required.
Does the free YNAB alternative work with UK banks?
Yes. The Income Tracker imports standard CSV exports from UK banks including Barclays, HSBC, Monzo, Starling, Lloyds, NatWest and Santander.
Do I have to pay or subscribe?
No. The Income Tracker is completely free. No credit card, no subscription, no sign-up.

Related

Bank CSV import guidesExport from any UK bank Free money calculatorsPayoff, utilisation, savings and more Spreadsheet alternativeCSV in, totals out How to budget without linking your bank accountYou do not need open banking to budget. Here is how to track your income and spending privately in 2026 using a bank CSV. No account connection, no credentials shared.