Indivia vs YNAB
YNAB (You Need A Budget) is a budgeting app built around its own method: give every dollar a job. Indivia covers the budget too, and adds real estate, investments and net worth with Canadian rules.
Where YNAB is ahead
- YNAB’s method and its lessons help people who want to change how they spend.
- YNAB imports directly from some Canadian, US, UK and European banks, and one subscription can be shared with up to six people.
- YNAB has a 34-day free trial, and a free year for college students.
Feature by feature
Yes Partly No (the vendor or a review says so) Not documented
| Feature | Indivia | YNAB |
|---|---|---|
| Works offline, data in a file on your own computer | Yes | No |
| Data kept in Canada | Yes | Not documented |
| French interface | Yes | No |
| Mortgages with Canadian semi-annual compounding | Yes | Not documented |
| Share of a property owned, with dated changes and company chains | Yes | Not documented |
| Canadian adjusted cost base and superficial loss check | Yes | No |
| TFSA, RRSP and FHSA contribution room | Yes | Not documented |
| Rental lines for CRA T776 and Québec TP-128 | Yes | Not documented |
| Tenants, units and leases | Yes | Not documented |
| Repairs kept apart from capital improvements | Yes | Not documented |
| Budget, net worth, stocks and real estate in one app | Yes | Partly |
| Free plan | Yes | No |
| Export lists to Excel and PDF | Yes | Partly |
| Everything you enter end-to-end encrypted on your device before sync | Yes | No |
| Import bank statements in PDF | Partly | Not documented |
Price per year
| Indivia Basic Connected | US$39 |
|---|---|
| Indivia Investor | US$99 |
| YNAB | US$109 |
| Indivia Real-Estate Investor | US$199 |
Which one to pick
Pick YNAB if a strict monthly budget is all you need. Pick Indivia if you also want your properties, mortgages, TFSA, RRSP and net worth in the same place, a free plan, or French.
See Indivia’s plans The full comparison with seven apps
Checked against YNAB’s own pages on October 16, 2026. Tell us at support@indivia.app if something changed.