Comparison
Which family budget app should you pick?
There's no app that's perfect for everyone. Here's a comparison on what matters most for a family budget in Ukraine: does it sync Monobank, can two people keep one budget, is there a plan per category, and what does it cost. We make YABA, so we compare carefully and list only what you can check on each app's site or store page. As of October 2026.
Comparison
| YABA | Monefy | Spendee | YNAB | Google Sheets | |
|---|---|---|---|---|---|
| Bank | Monobank, automatic | Entries by hand | Bank sync in Plus and Premium, Ukraine is on its country list | Banks in the US, Canada, the UK and the EU | By hand |
| One budget for two | Yes, live, with who added what | Through your own Google Drive or Dropbox | Shared wallets in Plus and Premium | One subscription for up to 6 people | File sharing |
| Plan per category | Yes, with pace and a forecast | Tracking by category | Budgets per category | Envelope method | By hand |
| Price | ₴0 or ₴199/month, ₴1,990/year per family | Free, paid upgrade | Free; Plus $14.99/yr, Premium $35.99/yr | $14.99/month or $109/year, 34-day free trial | Free |
YABA
Who each one suits
- YABA: couples and families in Ukraine with Monobank who want one live budget and a mid-month warning before they overspend.
- Monefy: people tracking on their own who want a simple two-tap app with data in their own cloud storage.
- Spendee: people who want wallets, budgets and visual stats, including shared wallets for two.
- YNAB: people ready for a strict envelope method, with a bank YNAB connects, paying in dollars.
- Google Sheets: people who want total freedom with formulas and don't mind the manual work.
How YABA is different
- Monobank logs for you, with categories, moves between your own cards and cash handled.
- Pace and forecast. Bills sit on their days, an overshoot shows on the 12th, and an 8 am email arrives only when something's off.
- Privacy. Each family's own database in the EU, the bank token encrypted, AI never sees amounts.
- Bring your history. Import from HomeMoney in minutes.
- AI assistants. Claude or ChatGPT can read your budget over MCP, and change it only if you allow it.
What YABA doesn't have: banks other than Monobank, and store apps (YABA installs from the browser).
Questions
What people ask before they start.
What's the best budget app in Ukraine?
It depends on what you need. For a couple with Monobank who want to see their spending pace, we'd suggest YABA; for simple solo tracking by hand, Monefy works.
Does YNAB sync with Monobank?
No. YNAB connects banks in the US, Canada, the UK and EU countries, and Ukrainian banks aren't among them.
Is there a free family budget app?
YABA has a free plan with every feature for the whole family: up to 100 entries a month, 4 accounts and 1 goal.
Why YABA over Google Sheets?
A spreadsheet is more flexible, but YABA pulls in Monobank, works offline on a phone and warns you before you overspend.