YNAB gives you a method.
deezbills gives you Fred.
YNAB is a genuinely good method, and a method is something you have to run. Every week, forever. If that stopped working for you, this page is for you.
The short version
You know the feeling. It is late, you have a real money question, and there is nowhere good to take it. Reddit answers someone else’s life. A chatbot asks you to paste in your whole financial history and still hedges at the end. YNAB gives you a method and asks you to run it, every week, forever. Fred already knows your numbers, because you told deezbills about your life once. Ask him anything and the answer comes from your actual bills, income, goals, and debt. He builds the plan, keeps it current as things change, and tells you what is safe to spend today. He asks before he changes anything.
Want the money work done for you?
Trial for freeBuilding your budget
Keeping it current
Every payday
Logging an expense
Going over budget
A what-if question
A subscription creeping up in price
Knowing what is safe to spend today
Deciding
Bank linking / import
Built-in Canadian take-home pay calculator
Native mobile apps
Shared budgets
Billed in
Price
Free trial
| Feature | deezbills | YNAB |
|---|---|---|
| Building your budget | Fred builds it from a few questions about your life | You build it, category by category |
| Keeping it current | Fred updates it as bills, pay, and prices change | You do, every week |
| Every payday | Fred maps your paycheck across bills, goals, and debt | You assign every dollar yourself |
| Logging an expense | Text Fred or forward the receipt. He files it | You enter and categorize it |
| Going over budget | Fred covers it and tells you what he moved | You move money between categories |
| A what-if question | Fred checks it against your real plan | You work it through yourself |
| A subscription creeping up in price | Fred spots it and flags it | You notice it, or you do not |
| Knowing what is safe to spend today | Fred keeps one number current | You read the categories and decide |
| Deciding | Still yours. Fred asks first, and nothing moves without your OK | Yours, along with all of the above |
| Bank linking / import | No bank login required. Receipts, email, SMS, upload, or quick add | Optional direct import, manual entry, or file-based import |
| Built-in Canadian take-home pay calculator | Yes | No |
| Native mobile apps | Web works on any phone. iOS and Android apps on the roadmap | iOS and Android |
| Shared budgets | Spaces with roles and partner-owned subscriptions | Up to 6 people per subscription |
| Billed in | CAD | USD |
| Price | $17.99 CAD/mo or $149.99 CAD/yr | $14.99 USD/mo or $109 USD/yr |
| Free trial | 14 days | 34 days |
Pricing checked June 2026; prices may change. YNAB bills in US dollars; at typical exchange rates $109 USD is roughly $150 CAD per year, while deezbills bills Canadians in CAD with no exchange surprises. YNAB is a trademark of its owner; deezbills is not affiliated with or endorsed by YNAB.
Ready for the work to be done for you?
Trial for freeSo who is Fred?
Fred is the financial copilot inside deezbills. He builds your budget, keeps it current as bills and pay change, runs the math, and tells you what is safe to spend. The weekly upkeep YNAB asks of you is simply his. He suggests, you approve, and nothing changes without your OK.
These are real answers from real runs, not scripts written for this page. Press play, or watch the video.
Actual Fred responses from a synthetic Smith family profile.
Is deezbills a good YNAB alternative for Canadians?
If you are looking for a YNAB alternative in Canada because you want the budgeting done rather than taught, deezbills was built for exactly that. Fred builds your budget from a few questions about your life and keeps it current himself, so there is no weekly upkeep waiting for you. Pricing is in CAD, the built-in tax calculator handles federal and provincial taxes, CPP, and EI, and no bank login is required.
Is deezbills easier than YNAB?
They ask different amounts of you. YNAB is a methodology: you assign every dollar a job and keep your categories funded yourself, which is powerful once it clicks but takes real practice. With deezbills, Fred does that part. He asks a few plain questions about your life, your bills, goals, debt, and income, builds the budget and plan around your real priorities, and keeps it current as things change. What is left for you is quick: glance at your number before you spend, and send spending in as it happens, by Gmail capture, text, receipt photo, or quick add.
Is Fred an AI?
Yes, and the useful part is what he is connected to. Fred works from the income, bills, accounts, debt, goals, and spending you keep in deezbills, so his answers are about your actual money rather than money in general. He can also do things: log an expense, rebalance a budget, distribute a paycheck, adjust a goal. He asks before any of it, and nothing changes without your OK.
Does deezbills connect to my bank like YNAB can?
No. deezbills is designed to work without bank linking, so your credentials stay with your bank, and spending arrives by Gmail capture, receipt photos, statement uploads, texting Fred, or quick add. YNAB supports manual entry and file-based import too, with optional direct import for select banks, though many people build their workflow around the import. Because deezbills never needs a connection, it works no matter where you bank.
How much does deezbills cost compared to YNAB?
YNAB is $109 USD per year, roughly $150 CAD at typical exchange rates. deezbills is $149.99 CAD per year, or $17.99 CAD month to month, billed in Canadian dollars with a 14-day free trial. Comparable money; the difference is what you are paying for. YNAB sells you a method to run yourself. With deezbills you are paying for the plan to be run for you. Prices checked June 2026 and may change.
Can I budget with my partner on deezbills?
Yes. Spaces give a couple, family, or roommates a shared financial picture with roles and permissions. For couple onboarding, each partner keeps their own deezbills subscription before joining the shared Space; YNAB supports sharing with up to six people on one subscription, so the billing models are different.