Why it's an alternative to YNAB: Simple, design-focused personal budgeting app.
made by
Chris Raroque
Chris Raroque2 indie alternatives · Fintech & Payments
Indie alternatives to YNAB (2026)
YNAB (You Need A Budget) is a popular zero-based budgeting app with a learning curve and a yearly subscription. Some people want a simpler budget that just tells them what they can spend. Below are 2 alternatives built by independent makers — Luna and Depo Budget — with what each does differently, who makes it and any revenue they have shared publicly.
YNAB alternatives at a glance
Jump to any product for the full write-up.
| # | Product | Maker | Status | Reported revenue |
|---|---|---|---|---|
| 1 | Luna | Chris Raroque | Active | — |
| 2 | Depo Budget | Sergey Kaplich | Active | — |
The 2 best indie alternatives to YNAB
Each product is made and run by an independent maker or a small, self-directed team.
Why it's an alternative to YNAB: Daily budgeting app that shows a safe-to-spend number for today, with no bank login required.
made by
Sergey Kaplich
Sergey KaplichWhy choose an indie-made tool?
You talk to the maker
With a small product, support requests and feature ideas usually reach the person who wrote the code, and many makers build in public and reply to users directly.
Focused and fairly priced
Small teams tend to do one job well instead of bundling every feature into enterprise tiers, and many indie tools offer one-time licenses, open-source editions or free plans.
Built by real people
These 2 alternatives come from 2 makers in United States. Paying them funds a sustainable, independent business.
Meet the makers: Chris Raroque, Sergey Kaplich.
YNAB alternatives FAQ
What are the best indie alternatives to YNAB?
IndieMakerList lists 2 indie-made alternatives to YNAB: Luna (by Chris Raroque) and Depo Budget (by Sergey Kaplich).
Why do people look for alternatives to YNAB?
YNAB (You Need A Budget) is a popular zero-based budgeting app with a learning curve and a yearly subscription. Some people want a simpler budget that just tells them what they can spend.
Who builds these YNAB alternatives?
They are built by 2 independent makers from 1 country, including United States, rather than a large company. Each maker has a profile on IndieMakerList with their other products and links.
Are these YNAB alternatives still maintained?
Yes. As far as IndieMakerList knows, all 2 are active and still run by the makers who built them.
Built an indie alternative to YNAB? Submit a maker to IndieMakerList →