Everything in your language
YNAB is English only. Trya ships in French + 5 other European languages.
AlternativeYNAB in your own language
The YNAB alternativefor Europe.
YNAB (You Need A Budget) is great but English-only, no FR bank sync, and $14/month. Trya borrows the 'give every dollar a job' philosophy in a French app connected to your real banks.
YNAB is iconic among US budgeters. Its 'give every dollar a job' method (envelope budgeting taken to the extreme) works very well. The problem for Europeans: everything in English, no connection to European banks, and $14.99/month is steep. Trya offers the same philosophy — every euro has a role — but in French, with 2400+ EU bank sync and at €4/month.
Feature comparison
Trya vs Trya 🇺🇸 YNAB
Trya
YNAB
Language
French + 5 others
English only
FR bank sync
Yes (2400+ via GoCardless)
No
EU bank sync
Yes
Limited (US/CA/UK)
"Every dollar a job" method
Yes (envelopes)
Core product
50/30/20 method
Yes
No
AI Coach
Yes
No
Avatars per household member
Yes
Shared account
Wealth tracking
Yes
No
Monthly price
€4.16/mo (yearly)
$14.99/mo or $109/yr
Lifetime plan
Yes (€149.99)
No
Why choose Trya
Why choose Trya vs YNAB
Connected to your banks
BNP, SocGen, Boursorama, N26, Revolut, and 2400+ others. YNAB doesn't connect to FR banks.
3x cheaper
YNAB is ~€110/year. Trya is €49.99/year, or €149.99 once for life.
Envelope method (like YNAB) + 50/30/20
Same allocation philosophy. Plus 50/30/20 if you prefer that framework.
AI Coach + wealth tracking bonus
Two features absent in YNAB that broaden the scope beyond pure budgeting.
FAQ
Frequently asked questions
Does Trya really use the YNAB method?
The philosophy yes — every euro has an allocation via envelopes. The implementation differs a bit (Trya is more visual, YNAB more rigid on the "rule of 4"), but the functional result is similar.
Why doesn't YNAB have a French version?
YNAB is an American company focused on US/UK/CA, and connecting to EU banks via PSD2 is complex to set up. They never invested in France. Trya fills that gap.
Can I import my YNAB data into Trya?
YNAB exports CSV. Trya imports CSV. The data structure differs a bit (categories to map) but a manual migration takes about 30 min.
Is Trya as rigorous as YNAB?
YNAB pushes ultra-strict rigor (4 non-negotiable rules). Trya is more flexible — you can follow the 50/30/20 method AND envelopes, but we don't guilt-trip you for not reconciling everything daily.