YNAB Alternative for Irregular Income — Free, No Bank Linking
A free YNAB alternative built for freelancers: see your projected daily balance, catch shortfalls early, no subscription and no bank connection.
Frequently asked questions
Is there a free YNAB alternative?
Yes. Cashflow Calendar is free forever for the calendar, recurring plans, reports and budget goals. Pro is a one-time payment, not a subscription.
Can I import my YNAB data?
You can export a CSV from YNAB and import it directly, mapping columns and reviewing duplicates before anything is saved.
Why switch from envelope budgeting to a cash flow calendar?
Envelope budgeting allocates money you already hold. With irregular income the real question is when your balance dips, which is a timeline question a calendar answers directly.
Does Cashflow Calendar connect to my bank?
No. There is no bank aggregator and no credentials to hand over. You enter what you know is coming.
Is my data private?
Your ledger is stored under row-level security tied to your account, guest mode works fully offline, and you can export everything to CSV at any time.