Gather vs YNAB: Which is best?
Gather is the best YNAB alternative in Australia for people who want to manage their whole financial life, without assigning every dollar to a budget category.
Parth Gulati· Updated June 3, 2026
What is Gather?
Gather is the money app built for people who want financial clarity and progress, but without the admin.
It brings your entire financial life together, so you can understand what you own and owe, stay on top of your finances, and grow your wealth on the go.
What is YNAB?
YNAB is a budgeting application that helps you decide how every dollar will be spent before you spend it.
Gather vs YNAB Comparison
Gather is the best YNAB alternative in Australia for people who want to manage their whole financial life, without assigning every dollar to a budget category. Here is how they compare.
Company
| HQ | Sydney, Australia | Lehi, Utah, USA |
|---|---|---|
| App Store Rating | 4.7 / 5 | 4.8 / 5 |
Wealth & Net Worth
| Assets, Liabilities & Net Wealth | Yes | Manual |
|---|
Syncing
| Banks | Yes | Limited Australian bank support varies |
|---|---|---|
| Stock Brokers | Yes | No |
| Crypto Exchanges | Yes | No |
| On-Chain Crypto Wallets | Yes | No |
| Multi-Currency Accounts | Yes | No |
| Add Other Accounts Manually | Yes | Yes |
Property
| Automatic Property Value Estimates | Yes | No |
|---|---|---|
| Track Equity by Linking Loans & Offsets | Yes | No |
Investment Holdings & Performance
| Import Investment Holdings | Yes | No |
|---|---|---|
| Performance Analytics | Yes | No |
| ASX Market Data | Yes | No |
| US Market Data | Yes | No |
| Crypto Market Data | Yes | No |
Bills & Spend Tracking
| Bill & Subscription Calendar | Yes | No |
|---|---|---|
| Search & Filter Transactions | Yes | Yes |
| Cashflow Analytics | Yes | Yes |
| Savings Rate | Yes | No |
| Budgeting | Yes | Yes |
| Widgets | Yes | Yes |
| Rules | Yes | Yes |
| Export Transactions | Yes | Yes |
Tax & Support
| Tax Deduction Assistant | Yes | No |
|---|---|---|
| Deduction Automation Rules | Yes | No |
| Tax Deductible | Yes When used to manage tax records and income producing assets | No |
| Customer Support | In-app live chat with the founders | Email |
Gather vs YNAB: Which is Right for You?
Gather is built for people who want financial clarity and progress, but without assigning every dollar to a category.
YNAB is built for people who want a hands-on zero-based budgeting system and are prepared to manage their money around strict budget rules.
Choose YNAB if you want to plan every dollar before you spend it and are happy to spend time assigning, categorising, and moving money between categories.
Choose Gather if you want budgeting alongside your whole financial life. Banks, stock brokers and crypto exchanges sync in real time. Property values update automatically. Built-in tax tools help you find deductions you might otherwise miss.
It gives you a wider view of your money without turning every check-in into a budgeting session.
Plus, your Gather subscription may be tax deductible when used to manage tax admin or income producing investments.
Hear from Gatherers
"A breath of fresh air to traditional finance apps."
"Gather has completely changed how I look after my finances."
"I love the new direct syncing with Stake, Commsec & Betashares."
"The Rules feature is my favourite - it automagically sorts my transactions, saving me heaps of time, especially at tax time."
"Gather is exactly what I'd been looking for to track my investments - as well as my bank accounts and super."
"The whole app almost feels like something Apple would make. It's a pleasure to use."
Supported banks, brokers and exchanges
Search banks, super funds, share platforms, and crypto providers you can add to Gather. If it is not listed, you can still track it manually.
Betashares
Direct Integration
CBA
Open Banking
Coinbase
Direct Integration
CoinSpot
Direct Integration
CommSec
Direct Integration
ING Direct
Open Banking
Macquarie
Open Banking
NAB
Open Banking
Stake
Direct Integration
FAQs
Is Gather a good YNAB alternative in Australia?
Yes. Gather is a good YNAB alternative if you want a way to manage your entire financial life, not just budgets.
Does Gather use zero-based budgeting?
Gather supports budgeting, but it is not built around assigning every dollar before you spend it.
Which app is better for Australian bank support?
Gather is built for Australians and supports Australian institutions alongside investments, crypto, property, and manual accounts. YNAB does not sync with Australian banks.
About Parth
Parth Gulati is a founder and CEO of Gather. He has spent more than a decade building personal finance software.
Before Gather, he spent 7 years as a Product Leader at Finder. He led Finder to become Australia's first Open Banking-accredited comparison site, and took the Finder app from idea to launch.
His goal is simple: to make money more approachable and easier to understand, so people can make real financial progress.
