Question 1

Is Viridel a free YNAB alternative?

Accepted Answer

Viridel offers a timed Free demo on the web with Ready to Assign, accounts, registers, bills, loans, net worth, and investments — without bank sync. Unlike YNAB, there is no annual subscription for the core product. Native desktop and mobile apps unlock with a €39 Lifetime purchase (included for Lifetime customers when apps ship). Cloud sync is optional Plus and does not unlock native apps.

Question 2

Does Viridel sync with my bank?

Accepted Answer

No. Viridel does not connect to bank accounts — you add transactions manually. If automatic bank sync is essential, YNAB does that and Viridel does not.

Question 3

Is this real zero-based budgeting or just category limits?

Accepted Answer

Viridel uses Ready to Assign: income lands in RTA, you assign every dollar into categories, spending reduces Available, and you can move money between categories — the same core method as YNAB, without bank login.

Question 4

Where is my financial data stored?

Accepted Answer

On your device by default. Nothing leaves your machine unless you opt into Plus cloud sync.

Viridel vs YNAB