Comparison · ynab alternative spreadsheet
SailsAndShore vs YNAB
For people who prefer their money on their machine.
YNAB is a great app for people who like an app. But it's $99/year, it syncs your bank account to a third party, and if you cancel, you lose your data. SailsAndShore is the offline version: your file, your machine, your control. Ten dollars, forever.
Side by side
| Feature | SailsAndShore | YNAB |
|---|---|---|
| Pricing | $10 one-time | $99/yr |
| Bank sync | Manual entry (private) | Syncs your accounts to their servers |
| Data ownership | You own the .xlsx forever | Cloud-locked |
| Offline | Works in Excel anywhere | App with cloud dependencies |
| Privacy | No bank connections, no third party | Aggregator has read access |
| Best for | Privacy-conscious, one-time budgeters | Envelope method believers, hands-off types |
The verdict
YNAB for the app people. SailsAndShore for the spreadsheet people.
Where to start
- Monthly Bill Organizer Payment Tracker
Due dates, payment methods, a subscription audit tab, and an annual expense forecast, nothing slips through.
$8.63 - Family Budget Cash Flow
Income, fixed bills, variable spending, and a cash flow projection, the month in view before it gets away from you.
$8.63 - Net Worth Tracker
Assets, liabilities, monthly net worth history, and a debt payoff timeline, the number you're working toward, charted.
$8.63