Compared
Orla vs YNAB.
Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets, in one book.
Prices below checked on 14 August 2026, on each product's own pricing page.
Side by side
What each one is, and what it costs.
The honest version, not the marketing one.
| Orla | YNAB | |
|---|---|---|
| What it isIn one sentence | One book for banks, exchanges and wallets, with budgets, invoices and tax | Envelope budgeting for bank money, with a method it teaches well |
| PriceTheir pricing page, this month | Free plan with no time limit; paid from $25 a month | $14.99 a month, or $109 a year; one tier, 34 day trial |
| BanksHow accounts come in | Connected read only, or by hand | Connected, or by hand |
| CryptoExchanges and wallets | Native: six exchanges, four kinds of chain, cost basis kept | By hand, as a manual account with a number you retype |
| Getting paidInvoices and pay links | Invoices, pay links, reminders, cards | None; it is not what YNAB is for |
| SharingMore than one person | Spaces with roles: family, group, business, each with its own books | One budget shared with up to six people |
| TaxWhat January looks like | Capital gains by lot, VAT for companies, exports an accountant opens | Not a tax product |
Fair is fair
When YNAB is the right choice.
A comparison you can trust has to be able to say this.
- →All your money is in banks, and you want a method, not just a tool
- →You budget alone or with a partner, and nobody sends invoices
- →Their envelope method is taught brilliantly, and it works
Where Orla is different
The money YNAB cannot see.
If any of these is your money, the comparison decides itself.
- →Coins on an exchange or a wallet, priced and taxed like the rest
- →Income that arrives against an invoice, chased without you
- →A family, a trip or a company that needs its own separate books
Start
Try the free plan next to your YNAB trial.
Connections are read only either way, and leaving takes your data with you.