Pick YNAB
Choose YNAB if you want a complete budgeting system with envelope budgeting, bank syncing, family sharing, and are willing to pay $14.99/mo for comprehensive financial management.
Dedicated subscription tracker vs full-scale budgeting app
YNAB is a powerful zero-based budgeting platform, but subscription tracking is just a side feature via scheduled transactions. SubHorizon is purpose-built for subscription intelligence with AI parsing, renewal alerts, and tool-specific analytics.
Direct answer
YNAB is a best-in-class budgeting app, but it costs $14.99/mo and treats subscriptions as just another scheduled transaction. SubHorizon is purpose-built for subscription intelligence at a fraction of the price — with AI parsing, proactive alerts, and tool-specific analytics.
Pick SubHorizon
Choose SubHorizon if you specifically need subscription tracking, want AI receipt parsing, want the whole product for a fraction of YNAB's price, or find YNAB's full budgeting system more than you need.
Pricing
- SubHorizon Pro€9.99/monthUp to 20 subscriptions, analytics, multi-currency
- SubHorizon Max€29.99/monthUp to 200 subscriptions, AI parsing, smart recommendations
- YNAB$14.99/mo or $109/yr34-day free trial · No free tier
Vendor siteynab.com (opens in a new tab)
Feature comparison
| Feature | SubHorizon | YNAB |
|---|---|---|
| Focus | 100% subscription management | Full zero-based budgeting |
| Pricing | €9.99/mo / €29.99/mo | $14.99/mo ($109/yr) |
| Free tier | No | No (34-day trial only) |
| AI text import | Pro and Max · 2 credits per parse | No |
| Pre-seeded AI tool catalog | Yes (18+ tools) | No |
| Subscription-specific alerts | 30/60/90-day proactive | Generic scheduled transactions |
| Multi-currency | 20+ currencies | Yes (multi-currency budgets) |
| Bank syncing | No (privacy-first) | Yes (direct import) |
| Budget goals | Yes (subscription-focused) | Yes (envelope budgeting) |
| Spending analytics | Subscription trends and insights | Budget reports and age of money |
| Family sharing | No | Yes (up to 6 people) |
| Calendar view | Yes | No |
| Savings tracking | Duplicates, downgrades, unused | Savings goals (manual) |
| Export (PDF/CSV) | Yes | CSV export |
Frequently asked questions
Is SubHorizon cheaper than YNAB?
SubHorizon Pro is €9.99/month including VAT for 20 subscriptions and 200 AI credits. Max is €29.99/month including VAT for 200 subscriptions, 1,000 credits and personalized stack reviews. Compare the provider’s current regional offer alongside the features you need; currencies, tax and billing terms can differ.
Can YNAB track subscriptions like SubHorizon?
YNAB can track recurring expenses via scheduled transactions, but it lacks dedicated subscription features like renewal alerts, AI receipt parsing, a pre-seeded tool catalog, subscription-specific analytics, and savings detection for duplicates or unused services.
Should I use both SubHorizon and YNAB?
SubHorizon Pro is €9.99/month including VAT for 20 subscriptions and 200 AI credits. Max is €29.99/month including VAT for 200 subscriptions, 1,000 credits and personalized stack reviews. Compare the provider’s current regional offer alongside the features you need; currencies, tax and billing terms can differ.
Related pages
Subscription tracking context
Keep evaluating the tracker workflow
Compare the product choice with AI-stack pricing, cancellation, and renewal-review resources.
- AI subscription trackerTrack AI tool costs, renewals, overlap, and cancellation decisions in one workspace.
- AI tool pricing guideCompare AI coding assistants, editors, app builders, and research tools by monthly cost.
- AI stack cost calculatorEstimate the monthly and annual cost of your current AI tool stack.
- All AI pricing pagesBrowse the complete SubHorizon pricing library for AI tools builders actually pay for.
- Stop bleeding money on AI subscriptionsAudit overlap, forgotten trials, and renewal risk across a paid AI coding stack.
- Best vibe coding tools and costsSee which AI coding tools fit different workflows, budgets, and subscription stacks.
- Real cost of a vibe coding stackAdd up the real monthly cost of assistants, editors, app builders, and research tools.
- Why track AI subscriptionsUnderstand why visibility matters before AI renewals and annual charges hit.
- SubHorizon vs spreadsheetsCompare manual spreadsheet tracking with a dedicated AI subscription tracker.
Sign-ups are closed for now
SubHorizon is not taking new accounts yet. If you already have one, sign in.