Switching from YNAB
Bring your YNAB receipt. Get 90 days free.
Upload a YNAB receipt from the last 12 months when you sign up, and Zypper Essentials is free for 90 days instead of 7. Keep YNAB running while you move over: nothing is charged until the trial ends.
90-day free trialChecked in secondsCancel anytime
Step 1Create your Zypper accountSign up with Google or your email. It takes a minute.
Create your Zypper account
Continue with Googleoryou@example.comContinue with email
Takes about a minute
A minute
Step 2Upload a YNAB receiptRight after signing up, add a receipt, invoice or billing email from the last 12 months, an App Store or Google Play receipt, or the charge on your card statement.
Upload your YNAB receiptPDF or screenshot
ynab-receipt.pdfReceipt checked outVerified
Checked automatically. We don’t keep the file.
Seconds
Step 3Start your 90-day Zypper trialPick Essentials and add a card. Nothing is charged for 90 days, and canceling before then means you’re never charged.
Your free Zypper trial90 days
- TodayTrial starts, nothing charged
- Day 90Trial ends
Cancel anytime before it ends
Leaving YNAB
Bring your receipt, bring your data.
Where to find each one in YNAB: the receipt for your sign-up, the rest for whenever you’re ready.
ReceiptNo. 4471
Annual plan$99.00
Paid Sep 12Visa ··4832
Total$99.00
Find your YNAB receipt
You’ll upload it when you pick your plan.
- YNAB’s web app
- Click your plan’s name at the top of the sidebar, then Account Settings. Under YNAB Invoices, click View and select an invoice to download. YNAB also emails a receipt at each renewal.
- App Store
- In the App Store, tap your photo, then Apps & Purchase History › Purchase History. Or sign in at reportaproblem.apple.com.
- Google Play
- In the Play Store, tap your profile icon, then Payments & subscriptions › Budget & history.
Billing lives in YNAB’s web app, not the mobile app. Its Subscription section says whether Apple or Google bills you instead, and a Trial section means you haven’t paid yet: YNAB’s trial has no receipt.
Export.csv
Download your YNAB data
Your full history, as files to keep.
- Whole plan
- Click your plan’s name at the top of the sidebar, then Export Plan. Two CSV files download: your categories and groups, and every transaction. Targets and category notes aren’t included.
- Some transactions
- Open an account or All Accounts, tick the transactions you want (the header checkbox selects them all), and click More › Export Transactions in the bar that appears.
- Reports
- Open Reflect, pick Net Worth, Spending Breakdown, Spending Trends or Income v Expense, set the filters to all categories, dates and accounts, and click Export. Net Worth exports each account’s month-end balances.
Exports only work in YNAB’s web app, and only while you’re subscribed: YNAB closes your plan when the paid period ends, so export before then.
SubscriptionAnnual plan · renews Oct 12Active
Yours until Oct 12Cancel Subscription
Cancel YNAB
When you’re ready, cancel where you subscribed.
- YNAB’s web app
- Click your plan’s name at the top of the sidebar, then Account Settings, scroll down and click Cancel Subscription.
- App Store
- On your iPhone, open Settings, tap your name, then Subscriptions › YNAB, and tap Cancel Subscription.
- Google Play
- In the Play Store, tap your profile icon, then Payments & subscriptions › Subscriptions › YNAB, and tap Cancel subscription.
You keep YNAB until the end of the period you’ve paid for, and can resume until then. After that the plan closes, though YNAB keeps its data for up to 24 months in case you come back. In a YNAB Together group, only the group manager has a subscription to cancel.
Moving from YNAB
Set up in minutes, with your history intact.
Zypper connects to the same banks and cards, fills in your history on its own and drafts a budget from it, so moving over is mostly signing in to your banks.
More on tracking
Read-onlyZypper can see balances and transactions
Connect the same banksZypper links to over 12,000 banks, cards and brokerages through Plaid. You sign in on your bank’s own screen, and Zypper never sees your password.
Chase CheckingConnected today2 yearsSep 2024Sep 2025Today
As far back as the bank allows
Your history comes with themZypper asks each bank for up to two years of transactions, so your spending history is there from day one. How far back depends on the bank.
Trader Joe’sTodayGroceries$64.20
NetflixSep 21Subscriptions$15.49UberSep 20Transport$18.40
Categorized as they synced
Sorted as it syncsEvery transaction is categorized automatically as it syncs, and your own categories, groups and rules sit on top.
Auto set spendingProposed from your last three monthsConfirm
GroceriesAveraged $412 a month$420
DiningAveraged $218 a month$200
UtilitiesAveraged $148 a month$150
Every amount stays editable
A budget drafted for youAuto set proposes an amount for every category from your last three months of spending. Change whatever you like.
NetflixMonthly · next Oct 3$15.49ActiveSpotifyMonthly · next Oct 12$11.99Active
AT&TMonthly · next Oct 15$85.00Active
Found in your transactions
Bills and subscriptions, foundRecurring bills and subscriptions are picked out of your transactions, each with its next expected payment.
Car repairsEvery year · $1,200$100a month
Spending frequencyEvery year
Roll over unspent budget
Builds up between payments
Targets become amountsA Refill up to target is a monthly amount in Zypper: each month starts fresh. A Set aside another target is the same amount with Roll over unspent budget on, so what you don’t spend builds up. For a yearly target, set the category’s spending frequency to every year and enter the full amount, and rollover turns on by itself.
Payment to Sapphire cardChecking 4832 · Sep 8−$500.00
Payment from CheckingSapphire card 4471 · Sep 8+$500.00
Recognized asTransfer
A movement, not spending
No credit card payment categoriesCard purchases count in their own categories as soon as they sync, and the payment to the card is recognized as a transfer between your accounts, so it never shows as spending. There’s no payment category to fund, and nothing to reconcile: balances come from the bank every day.
FidelityBrokerage · syncs daily$48,210MortgageLoan · syncs daily−$312,4002019 SubaruManual · a balance you set$14,500
All three count toward your net worth
Tracking accounts connect tooInvestments, brokerages, mortgages and loans connect through Plaid like any other account, and their balances feed your net worth. Anything without a connection, like a car or a private loan, is a manual account whose balance you set.
MembersCouple plan · one subscription
YouHousehold owner · billedOwner
SamInvited from Settings › MembersJoined
Own login, same budget
From YNAB Together to a couple planYNAB Together shared one subscription with up to five other people. Zypper’s couple plan covers two, you and your partner, each with your own login and the same budget. Invite them from Settings › Members.
What you get
All of Zypper, from the first day.
Your 90 days on Essentials include everything on the plan: tracking, budgeting, and bills and recurring, with email and chat support.
See pricingTrackingAccounts, transactions and net worth, synced daily.NetflixStreaming$15.99
The Home DepotHome$86.12
lululemonClothing$118.00More on tracking
Recent transactionsSynced 2 min ago
NetflixStreaming$15.99LumonPaychecks+$3,500.00
The Home DepotHome$86.12lululemonClothing$118.00BudgetingSet a plan for the month, and see how you’re doing.More on budgeting
September budget12 days left
$1,502left of $3,200
Groceries$612 of $800
Dining$318 of $400
Bills & RecurringEvery bill and subscription, found and predicted.
More on bills and recurring
Upcoming billsThis week
TodaySpotify
$9.99In 2 daysNetflix
$15.99Also on every planWhichever plan you pick.
Email & Chat SupportGet help through email, or chat directly with our support team to answer any questions you have about your plan.
AI AssistantOur smart AI Assistant helps you make better financial decisions by providing personalized guidance and insights.
The fine print
The whole offer, in plain words.
Everything the offer comes with, and the little it doesn’t.
The switch offer for YNAB customersEvery term of the offer.
For new Zypper customers whose household hasn’t had a Zypper subscription before.
Claim it with the “Claim 90 days free” button on this page: signing up any other way doesn’t bring up the offer.
Show a paid YNAB subscription: a receipt, invoice or billing email, an App Store or Google Play receipt, or the charge on your card statement, dated in the last 12 months.
Essentials starts with 90 days free instead of 7.
Premium Credit has no free trial, so it’s 50% off your first 3 monthly bills instead, or the same amount off your first year on yearly billing.
A card is needed to start the trial. Nothing is charged until it ends, and canceling before then means you’re never charged.
A receipt can claim the offer once, for one person.
The offer takes the place of a free month from a friend’s referral link; the two don’t combine.
Your receipt is checked automatically, and Zypper doesn’t keep the file: only what the check read from it, like the app, the date and the amount, and a fingerprint of the file so it can’t be used twice.
The offer also covers Monarch Money.
Zypper is not affiliated with or endorsed by YNAB, whose name is a trademark of its owner.
Switch to Zypper, free for 90 days.
Create your account, upload a YNAB receipt, and start Essentials with 90 days free. Cancel anytime.
90-day free trialChecked in secondsCancel anytime