Compare
How JoinFunds compares
Most budgeting apps require Open Banking access to your accounts. JoinFunds takes a different approach — you export CSV files from your bank, and your data is processed entirely in your browser. No bank login, no third-party access, no data on our servers.
| Feature | JoinFunds | YNAB | Emma | Snoop | Money Dashboard |
|---|---|---|---|---|---|
| Free tier available | Yes | No | Partial | Yes | Yes |
| Couples / household budgeting | Yes | Partial | No | No | No |
| CSV import (no bank login) | Yes | Yes | No | No | No |
| Privacy-first (no Open Banking required) | Yes | Partial | No | No | No |
| UK bank format support | Yes | Partial | Yes | Yes | Yes |
| Custom categories | Yes | Yes | Partial | No | Partial |
| Monthly review workflow | Yes | No | No | No | No |
| Net worth tracking | Yes | Yes | Yes | No | Yes |
| Multi-currency support | Yes | Yes | Partial | No | No |
| Mobile app / PWA | Yes | Yes | Yes | Yes | Yes |
Free tier available
YesJoinFunds
NoYNAB
PartialEmma
YesSnoop
YesMoney Dashboard
Couples / household budgeting
YesJoinFunds
PartialYNAB
NoEmma
NoSnoop
NoMoney Dashboard
CSV import (no bank login)
YesJoinFunds
YesYNAB
NoEmma
NoSnoop
NoMoney Dashboard
Privacy-first (no Open Banking required)
YesJoinFunds
PartialYNAB
NoEmma
NoSnoop
NoMoney Dashboard
UK bank format support
YesJoinFunds
PartialYNAB
YesEmma
YesSnoop
YesMoney Dashboard
Custom categories
YesJoinFunds
YesYNAB
PartialEmma
NoSnoop
PartialMoney Dashboard
Monthly review workflow
YesJoinFunds
NoYNAB
NoEmma
NoSnoop
NoMoney Dashboard
Net worth tracking
YesJoinFunds
YesYNAB
YesEmma
NoSnoop
YesMoney Dashboard
Multi-currency support
YesJoinFunds
YesYNAB
PartialEmma
NoSnoop
NoMoney Dashboard
Mobile app / PWA
YesJoinFunds
YesYNAB
YesEmma
YesSnoop
YesMoney Dashboard
Ready to try a finance app that respects your privacy?
No Open Banking, no bank logins, no third-party access. Just CSV import that stays in your browser. Free to start.