Get the budgeting power you need without sharing your bank credentials or paying $250/year. Chortke keeps your data on your device.
Try Chortke Free$1.99/month or $9.99/year
$20.80/month or $151.25/year
YNAB (You Need A Budget) is a popular zero-based budgeting app that requires linking your bank accounts and costs $20.80/month. It syncs your transactions through third-party aggregators like Plaid, meaning your bank credentials and financial data pass through external servers.
Traditional budgeting apps require you to share your bank login credentials with third-party aggregators.
YNAB uses Plaid to connect to your banks. This means your bank username and password are shared with a third party, and your transactions flow through external servers before reaching your app.
Chortke never asks for your bank credentials. Simply import your bank statement PDF, and all processing happens locally on your device. No credentials shared, no external servers involved.
Premium budgeting shouldn't cost as much as a streaming service bundle.
YNAB costs $20.80/month ($250/year) - one of the most expensive budgeting apps on the market. That's money you could be saving instead of spending on tracking your savings.
Chortke Premium is just $1.99/month or $9.99/year - 90% cheaper than YNAB. Start with a 14-day free trial, and the free tier gives you basic budgeting forever.
Your financial data shouldn't live on someone else's servers.
YNAB stores all your financial data on their cloud servers. If their servers go down, get breached, or the company shuts down, your data could be at risk or inaccessible.
Chortke parses statements on your iPhone and stores financial records locally, protected by iOS Data Protection. Optional statement sharing and usage analytics are described in our privacy policy.
Yes. YNAB costs $20.80/month or about $250/year. Chortke Premium is $1.99/month or $9.99/year. Plus, Chortke has a free tier with basic features, while YNAB has no free option after the trial.
Chortke focuses on expense tracking, categorization, and insights rather than zero-based budgeting methodology. If you specifically need YNAB's envelope system, Chortke may not be the right fit. However, if your main goal is to track spending and understand where your money goes - privately - Chortke excels.
You download your bank statement as a PDF from your bank's website (which you're already logged into), then import it into Chortke. The PDF is processed entirely on your device, transactions are extracted, and the original PDF is deleted. Simple and secure.
Chortke parses statements on your iPhone and stores financial records locally, protected by iOS Data Protection. Optional statement sharing and usage analytics are described in our privacy policy.
Try Chortke free. No account required. Statement sharing is optional.
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