Private YNAB alternative for Germany

YNAB alternative for Germany without PSD2 login, FinTS, or a recurring euro subscription. Ready to Assign for Sparkasse, DKB, N26, and Girocard everyday spend — you type euros yourself. €50 Lifetime, EU GDPR local-first, BaFin-regulated banks untouched. English UI at launch; more languages when Discord asks. Native apps Q1 2027.

How households in Germany actually budget

German households often mix Sparkasse or DKB with N26, and pay at the till with Girocard. Those banks sit under BaFin supervision; Viridel is not a payment institution and never requests PSD2 or FinTS access. Transfers and Lastschrift are payees and bills you type. Keep an overnight-savings account off-budget if you do not spend from it. Reconcile against the current account in the bank app — FinTS is not invited.

Why Germany YNAB users look elsewhere

Same method. Different pipe. Here is what usually breaks for people in Germany — and what Viridel does instead.

Privacy-first without PSD2 login

No bank credentials in Viridel. You type what you spent — no feed, no CSV import.

English first, EU hosting for Plus

App UI is English at launch. Optional Plus sync lives in Frankfurt (AES-256 at rest) — not a US blob by default, and not a German-only app claim we cannot keep yet.

Lifetime vs yearly subscription

€50 once vs YNAB at $109 USD (~€94/yr) — native apps Q1 2027 included.

How Ready to Assign works in Germany

The method does not change because your bank is Sparkasse, N26, DKB. You give every unit of EUR a job before you spend it.

Income lands in Ready to Assign. You assign it to categories — rent, groceries, transport, true expenses, debt — until RTA is zero. That is zero-based budgeting. Viridel does this on your device in Germany without asking for a Sparkasse, N26, DKB login.

When you spend, you log the payee and amount. Available falls. If a category is empty, you move money from another job or you wait. The feed will not rescue a month you did not assign. That friction is the product.

Bills, loans, and subscriptions sit on the same ledger. Loan principal follows a real amortization schedule, so net worth in Germany is not a straight-line guess. Credit-card payment categories stay honest: spending on the card is not extra income.

Optional Plus sync is off until you choose it. If you do, copies go to the EU (Frankfurt) under row-level security. Lifetime (€50) unlocks the full web product now and native apps Q1 2027. The VIP waitlist can lock €39 for 24 hours at launch if you join before Sept 10 00:00 UTC.

Works alongside Sparkasse, N26, DKB — without linking them

Every bank in Germany already shows you a balance. Viridel asks you to type what you spent — the habit that made zero-based budgeting work before feeds existed. No re-auth every 90 days. No aggregator middleman. No bank credentials shared with Viridel.

Viridel never connects to banks in Germany. Names below are familiar institutions people bank with there — not partners, not integrations, and not CSV import sources. You enter transactions yourself.

• Sparkasse
• N26
• DKB

If you are used to Direct Import or Open Banking elsewhere, that is the trade-off: privacy and control instead of a feed. Log spending manually; optional Lifetime CSV export is for your own backup, not bank import.

Who Viridel is for in Germany

A good fit if you want

• Ready to Assign budgeting without linking bank logins
• A ledger that stays on your device by default
• Manual transaction entry — you type what you spent
• One Lifetime price for web now and native apps Q1 2027

Not a fit if you need

• Automatic bank sync / Open Banking feeds
• Bank CSV import or transaction aggregation
• Investment portfolio brokerage APIs
• Someone else to categorize every transaction for you

Practical tips for Germany

• Log spending from your bank app or statement — type payee and amount in Capture.
• Keep credit-card payment categories separate — same honesty as YNAB’s method.
• English UI at launch — Discord is where additional languages get requested.

Switch from YNAB in Germany — a one-week plan

• Day 1: Free web demo via Google.
• Day 2: Create on-budget EUR accounts.
• Day 3: Log a week of real spending manually and categorise.
• Day 4: Assign until Ready to Assign is zero.
• Day 5: Add rent and insurance as bills.
• Day 6: Reconcile once against the account balance.
• Day 7: Lifetime if it fits — native apps Q1 2027.

Where YNAB (or a bank-sync app) may still win

We will not invent reviews, rankings, or partnerships. Here is the honest trade-off.

• If you want automatic bank feeds or bank CSV import, Viridel will not do that — manual entry only.
• If you want a polished native app today, wait for Q1 2027 or stay on your current tool until then.
• YNAB’s teaching materials and community are mature; Viridel focuses on the method on-device.

Privacy and where optional sync lives

English UI at launch. Optional Plus sync is encrypted (TLS + AES-256 at rest) in the EU (Supabase Frankfurt). Sparkasse, Girocard, and N26 stay in their own apps — no PSD2 login to Viridel.

EU GDPR · BaFin banking landscape is the local privacy frame for Germany. Viridel keeps the canonical ledger on this device by default. Optional Plus sync is TLS in transit and AES-256 at rest in Supabase Frankfurt (EU) — not end-to-end encryption. Transactional email uses Resend (Ireland). The marketing site origin is Vercel (Frankfurt); Cloudflare may cache public assets (including US-east). Google sign-in identity is still processed by Google globally. We do not claim that every packet stays in the EU.

Frequently asked questions

Is Viridel a good YNAB alternative in Germany?

Yes if you want Ready to Assign without bank sync. Enter transactions manually, keep the ledger on your device, and unlock Lifetime for €50. Native apps arrive Q1 2027 free for Lifetime customers. We do not claim to be “the best” for everyone.

Does Viridel connect to banks like Sparkasse, N26, DKB?

No — by design. Manual entry only. No bank login, no Open Banking, and no bank CSV import. Bank names on this page are geographic context, not partnerships or import sources.

How much does Viridel cost vs YNAB in Germany?

YNAB is commonly listed around $109 USD (~€94/yr) (illustrative). Viridel offers a timed Free demo on the web, then €50 Lifetime — native apps Q1 2027 included. Plus (optional cloud sync) is a separate subscription when you need multi-device sync.

Is the web app free forever?

No. It is a 34-day Free demo on the hosted web (Google sign-in required, account and logging caps). After the demo, budgeting is view-only until Lifetime. GDPR download stays available.

What is the VIP waitlist?

Public Lifetime is €50. Join the VIP waitlist before Sept 10 2026 00:00 UTC to lock €39 for 24 hours at launch. After that window, catalog is €50. Native apps Q1 2027 stay included for Lifetime.

Can I import my YNAB budget?

There is no one-click YNAB cloud import. Rebuild categories here and log the history that still matters manually. The method transfers; the bank feed does not — and that is intentional.

Can I budget in more than one currency?

Yes — set a home currency (EUR · EUR for Germany) and track other accounts. Lifetime keeps FX rates local and manual. Optional live FX is Free demo / Plus only, and only if you opt in.

Where is my data stored?

On your device by default. With optional Viridel Plus, also in your authenticated cloud account in the EU (Supabase Frankfurt): TLS in transit, AES-256 at rest, row-level security — not end-to-end encryption. Export via Lifetime CSV / JSON backup, or GDPR download from Settings.

If I enable Plus, where does sync data live?

Plus sync is stored in Supabase on AWS eu-central-1 (Frankfurt), encrypted in transit (TLS) and at rest (AES-256). That is not end-to-end encryption. Email (when configured) uses Resend in Ireland. The website origin is Vercel Frankfurt; Cloudflare may cache public assets from the US. Default budgeting never leaves this device.

Is there a Germany language UI?

The app UI is English at launch (Sept 10 2026). Additional languages are added when enough people ask in Discord — not on a fake nine-language ship list. This country guide is written in English for Germany.

Does Viridel use PSD2, FinTS, or Girocard with Sparkasse or DKB?

No. N26, Commerzbank, Deutsche Bank, Sparkasse, ING DE, and DKB are context. Girocard is how many Germans pay in person — not an API we connect to. No PSD2, no FinTS, no CSV import from German banks. English UI at launch.

Can I budget in euro and keep a USD account?

Yes. Home currency EUR. Lifetime FX is manual. Optional Plus sync is in Frankfurt. EU GDPR is the privacy frame.

Also see: YNAB alternatives by country · Viridel vs YNAB · Pricing