Cashmere vs YNAB
YNAB helps you budget each month. Cashmere helps you plan when you can retire. Here is what each one does.
YNAB: A budgeting app built on one method: give every dollar a job before you spend it. Read on its own site on Sep 24, 2026.
Pocket is not open yet. Plans are pre-order: fourteen days free, then S$9.99 to S$14.99 a month.
What Cashmere does better
- Cashmere is built for Singapore. CPF, the tax bands and reliefs, Savings Bonds and T-bills, and the policy catalogs are loaded and priced in Singapore dollars. YNAB knows none of them.
- Cashmere plans past this month. It runs your income, spending, CPF and investments forward to the year work becomes optional, and a scenario shows what one decision moves.
- Cashmere imports a Singapore bank statement or a photographed receipt. YNAB's linked accounts do not reach a Singapore bank, so a YNAB reader here types or uploads a file.
- Cashmere is priced in Singapore dollars, from S$9.99 a month. YNAB is US$14.99 a month or US$109 a year.
The job
YNAB
Budget this month, dollar by dollar.
Cashmere
Plan your path to financial independence and track your spending.
Bank data
YNAB
Linked accounts in the US, Canada, the UK and Europe. Elsewhere, file import.
Cashmere
Type it, import a statement, or read the page you signed into yourself with Cashmere Connect.
Singapore rules
YNAB
None.
Cashmere
CPF, income tax and reliefs, Savings Bonds and T-bills, and the policy catalogs, priced in S$.
Long-range planning
YNAB
Goals and a loan calculator.
Cashmere
A year-by-year retirement projection, with scenarios you can test against it.
Price
YNAB
US$14.99 a month or US$109 a year, after 34 days free.
Cashmere
S$9.99 to S$14.99 a month, after fourteen days free. Pre-order.
Questions
- Does YNAB connect to Singapore banks?
- Not by direct import. YNAB lists the United States, Canada, the United Kingdom and eighteen European countries for linked accounts. Elsewhere it takes a file the bank exports.
- Is Cashmere a budgeting app?
- It records spending by category and shows it against income, but it does not run a zero-based envelope budget.
- Which is cheaper?
- Cashmere's plans run from S$9.99 to S$14.99 a month. YNAB is US$14.99 a month or US$109 a year. Both offer a free trial.
Other comparisons
Plan your retirement in Pocket.
Start with your income, spending, savings rate, and runway. Cashmere turns them into a FIRE timeline. Fourteen days free, no bank login required.
Read along instead.
Read our guides to money in Singapore in the Cashmere Newsletter.