A payment waiting for your confirmation ↗
Forward bank alerts to your MyCashflow address. MAX prepares the available amount, date and description so you can finish with a category and confirmation.
PERSONAL FINANCE · COMPARED
MyCashflow vs Spendee, Wallet, YNAB and Excel
Less typing. Fewer forgotten payments. More room to live. Choose the tool that fits the way you want to manage your money.
| What matters to you | MyCashflow | Spendee | Wallet by BudgetBakers | YNAB | Excel / Google Sheets |
|---|---|---|---|---|---|
| Everyday focus | Income, expenses, wealth and upcoming decisions in one place. | Spending tracking, budgets and shared wallets. | Expense tracking, budgets and planned payments. | Assign available money to priorities with the YNAB method. | Build your own categories, formulas and reports. |
| How payments arrive | MAX prepares drafts from forwarded bank alerts. You choose the category and confirm. | Manual wallets and optional bank sync on Premium. | Manual records and optional bank synchronisation. | Manual entry, file import and optional direct import for supported banks. | Manual entry or imports and integrations you set up. |
| Bank access | No bank login required. Forward selected alerts or import your statement. | Bank connection is optional; coverage depends on the bank. | Bank connection is optional; supported institutions vary. | Direct import supports selected US, Canadian, UK and EU banks. | No bank access unless you add a connector. |
| Planning ahead | MAX combines a money calendar, cashflow forecast and income-loss stress test. | Budgets and spending overviews. | Budgets, goals and planned payments. | Targets, debt tools and a spending plan for available money. | Flexible scenarios using your own formulas and templates. |
| Documents and warranties | BOX adds a document archive for receipts, invoices and warranty information; a separate plan. | Check the current feature list for document requirements. | Check the current feature list for document requirements. | Check the current feature list for document requirements. | Link files or maintain a separate archive yourself. |
| Starting price | Free without ads. MAX: €3/month or €24/year, including VAT. BOX is separate. | Basic is free. Premium: US$5.99/month or US$35.99/year on its pricing page. | Free and Premium options; check current regional and platform pricing. | US$14.99/month or US$109/year, plus applicable tax; a 34-day trial. | Excel depends on your licence; Google Sheets has a personal free option. |
See a tight month before it arrives ↗
Use the calendar, forecast and financial stress test to explore upcoming commitments and a possible income interruption. Results depend on your recorded data.
Your money and its paperwork ↗
Track assets and liabilities alongside everyday spending. Add BOX when you also want a document archive for receipts, invoices and warranties.
See MyCashflow in action
Before you switch
When is MyCashflow an alternative to Spendee or Wallet?
When you want payment drafts from forwarded notifications, a wealth overview and planning tools without connecting a bank account. Spendee and Wallet also support manual tracking; compare the workflow you will actually use.
How does MyCashflow compare with YNAB?
YNAB focuses on allocating available money to priorities. MyCashflow brings transaction tracking, wealth and future cashflow together. MyCashflow MAX costs €24/year including VAT; YNAB lists US$109/year plus applicable tax. These are different currencies and products.
Why use MyCashflow instead of Excel?
Choose MyCashflow for ready-made transaction forms, recurring rules, notification drafts and financial views. Choose a spreadsheet if custom formulas and complete control of the layout matter more to you.
Does MyCashflow work completely offline?
Do not assume every feature works offline. Server features such as notification reception, cloud synchronisation and online document processing need internet access.
Is everything included in Free?
No. Free covers the core tracking experience. Pro adds recurring automation and imports, MAX adds financial inbox and planning tools, and BOX is a separate document archive plan. See the plans page for current details.
Sources and comparison notes
Checked on 13 October 2026. Features, prices and bank coverage vary by plan, region and platform. This comparison is published by MyCashflow. A bank connection is optional in the competing apps; Open Banking does not inherently mean handing your password to the app. Prices below are in the provider’s stated currency.
Spendee · pricing ↗Wallet · features ↗YNAB · pricing and supported banks ↗Plans
Less typing. Fewer forgotten payments. More room to live. Choose the tool that fits the way you want to manage your money.
Free · Pro · MAX · BOX →Google Play ↗