MintValt vs. YNAB.
YNAB is built around one currency per plan. MintValt is built for money in more than one, and adds it all up from the statements you already have.
where my money is
salary, London£3,900
savings, TorontoC$9,000
mum, Berlin€1,300
= ?
What each app makes of it
- YNAB
- pick one currency
- MintValt
- about $13,300, all of it
Side by side
| Topic | MintValt | YNAB |
|---|---|---|
| Currencies | 150+. Each account keeps its own, and totals are converted into the one you pick | One currency per plan. YNAB suggests a separate plan for each currency you use |
| Getting transactions in | Upload a PDF or CSV statement from any bank, forward it by email, or scan a receipt | Connect your bank, or import CSV, OFX and QFX files on the web or an iPad |
| Investments | Gold, crypto, and shares on 28 markets, valued every day | A balance you update yourself, in a tracking account |
| Price | $100 a year, or $10 a month, for everything | $109 a year, or $14.99 a month |
Checked against YNAB's own website on 17/10/2026. Prices in US dollars. Something out of date? Tell us and we will fix it.
Switching from YNAB?
Your history comes with you. Nothing to export from YNAB.
- 1
Download a year of statements
From each bank, as PDF or CSV. Any bank, in any country.
- 2
Upload them
MintValt reads every row and files it, each account in its own currency.
- 3
See it all, added up
Your history arrives in the currency you pick, at each month's own rate.
Common questions
- Can I use MintValt with accounts in different currencies?
- Yes, that is what it was built for. Each account keeps its own currency, and totals, budgets and net worth are shown in the one currency you pick, using past rates for past months.
- How do budgets work in MintValt?
- A budget is a limit for a category, or one for all your spending, that resets daily, weekly, monthly, quarterly or yearly. It shows whether you are ahead of or behind pace, alerts you at 80% and 100%, and suggests an amount from your last six months. A tight month can borrow from another budget for that month only.
- How do I move from YNAB to MintValt?
- Upload your bank statements to MintValt, which brings your history in from the source, so there is nothing to export from YNAB. A statement can be up to 100 pages, so a year at a time is fine.
- Is MintValt cheaper than YNAB?
- Yes. MintValt is $100 a year with everything included, the forecast and household sharing too, against YNAB's $109.
The best comparison is your own numbers.
Upload one statement and see what yours add up to. Get in line now, and start the day your invite arrives.