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Financial Data vs YNAB

Same instrument, two spec sheets — measured, not claimed.

APIFinancial DataDEAD0YNABDEAD0
Uptime · 30d
Uptime · 90d0.0%0.0%
Uptime · 30d0.0%0.0%
P50 · ms——
P95 · ms——
AuthapiKeyapiKey
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree tier — API key required
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Financial Data vs YNAB: common questions

Which is more reliable, Financial Data or YNAB?

Both are neck-and-neck — Financial Data and YNAB each measure 0.0% uptime over 90 days on our probe schedule. Reliability here is verified from our own scheduled checks; use the 30-day bars above to see which has been steadier lately.

Do Financial Data and YNAB need an API key?

Both ask you to authenticate — Financial Data uses an API key and YNAB uses an API key. Each key is free to obtain; the Auth and Card-required rows above spell out the signup terms.

Can I call Financial Data and YNAB from the browser?

Only YNAB is browser-friendly — it returns CORS headers over HTTPS. Financial Data needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Financial Data and YNAB free for commercial use?

Financial Data has unclear commercial terms, and YNAB has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.