A simpler alternative to YNAB
Keep the budgeting, lose the learning curve. Claeva tracks spending with AI — and there's a free plan.
Free to start · No credit card · No bank connection
YNAB is powerful, but its zero-based method and subscription-only pricing aren't for everyone. If you want clear budgets without rebuilding your whole financial life around a methodology, Claeva is a gentler fit.
Log spending by chatting or snapping a receipt, set budgets and pockets that make sense to you, and let Claeva surface the patterns — no rules to learn, no bank sync required.
Start free
Use the core tracker at no cost. Paid plans are optional, not a wall in front of budgeting.
No methodology to learn
Set budgets and pockets in plain terms. There's no zero-based system to master before you start.
AI capture built in
Snap a receipt or type an expense and Claeva categorizes it for you — faster than manual entry.
Multi-currency by default
Track spending in any currency with live exchange rates, ideal if your money moves across borders.
Private by design
No bank connection required. You choose what's tracked.
Claeva vs YNAB
Questions, answered
Is Claeva cheaper than YNAB?
Claeva has a free plan, and its paid tiers start at $12/mo with a 7-day free trial. YNAB is subscription-only with no permanent free tier.
Does Claeva do zero-based budgeting?
Claeva lets you set budgets and organize spending into pockets without requiring the strict zero-based method, so it's easier to pick up.
Can I track spending without connecting my bank?
Yes. Claeva is built around AI chat and receipt capture, so you never connect a bank account.
Budget without the busywork
Try Claeva free — set a budget and log your first expense in minutes.
Get started free