YNAB is excellent if you want a structured envelope budgeting system. Finsemble is built for people who want their bank data automatically in Google Sheets — with a budget tab included, not a budget system imposed.
Your spreadsheet lives in your Google Drive, where you control it.
Free during beta. No credit card required.
Connect your accounts and Finsemble builds a Google Sheet with your real transaction data — automatically categorised, a budget tab showing actual vs budgeted spending, and a complete financial dashboard. You decide how to use it.
Most people overestimate their savings rate by 15-20% because they are working from memory rather than categorised transaction data.
Link your banks via Plaid. All transactions from all accounts appear in one sheet. No manual entry, no import required.
Finsemble populates your Budget tab automatically from your actual transaction history. You see what you actually spent vs what you planned — without entering a single number manually.
YNAB works best when you engage with it daily. Finsemble syncs automatically and requires nothing from you. Open it when you need it and the numbers are current.
Finsemble can never move money or modify your accounts. Read-only transaction data only.
The same bank connection layer used by Venmo, Coinbase, and 8,000+ financial apps.
Your sheet lives in your Google Drive permanently. Cancel anytime and every row stays yours forever.
Your bank login credentials are never stored by Finsemble. Plaid handles authentication only.
YNAB is a great product for disciplined budget managers. If you want the visibility without the methodology, Finsemble gives you a live budget tab connected to your real accounts — no framework required.
Connect your accounts and your Budget tab fills itself from your real transactions. See what you actually spent — without adopting a budgeting philosophy.
Free during beta. No credit card required. See pricing →