# Yoki: Money Coach & Planner — Financial Health & Debt Payoff > Financial Health & Debt Payoff (iPhone/iPad app by Vadim Mikhnevich.) - Source: https://appshunter.io/ios/app/yoki-money-coach-and-planner/id6759856828 (this page in markdown: same URL + `.md`) - Developer: [Vadim Mikhnevich](https://appshunter.io/developer/1871725126) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.6 · 22 MB - Languages: American English - Released: 2026-03-11 - Data updated: 2026-08-26 - User reviews in markdown: https://appshunter.io/ios/app/yoki-money-coach-and-planner/id6759856828/reviews.md ## What is Yoki? Are you tired of feeling anxious about money? Do you know exactly when your debt will be paid off, or how many days your emergency savings will actually last? Budget trackers just act as scoreboards, they tell you what you spent, leaving you to figure out what to do next. Yoki is different. We act as your dynamic AI financial coach, guiding you day-by-day to crush debt, build wealth, and achieve financial zen. Start with a comprehensive diagnosis of your financial health, then seamlessly transition into a personalized action plan that adapts as your life changes. WHAT YOKI DOES FOR YOU: - The Daily Playbook: Stop guessing what to do next. Your Action Hub gives you 1-3 highly specific, bite-sized financial tasks every day to keep you moving forward. - Interactive Net Worth Tracker: Keep all your assets and liabilities in one place. Update your balances and instantly watch your projections and routines adapt to your new reality. - Dynamic Goal Routines: Whether you are in the "Debt Crusher" phase or the "Stability Builder" phase, Yoki breaks massive financial goals into an achievable, step-by-step roadmap. - Gamified Progress: Stay motivated during long journeys (like debt payoff) with visual timelines, task streaks, and unlockable achievement badges. Celebrate every dollar saved and debt slashed! - Deep Financial Insights: Get a clear, objective Health Score (0-100), discover your exact "Emergency Runway" in days, and find the fastest way to pay off your debt. WHO IS YOKI FOR? - The Debt Crusher: You are stuck in the credit card minimum payment loop and need a clear, gamified way out. - The Paycheck Survivor: You constantly run out of money before your next payday and want to build a buffer step-by-step. - The Foundation Builder: You want to save for a major life goal but don't know how to optimize your cash. - The Wealth Optimizer: You have cash, but want a dynamic system to track your net worth and ensure your setup is highly efficient. Your journey to financial zen starts with clarity and action. Download Yoki today and finally take control of your money. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Friends Monthly | $0.99 | per month | | Friends Yearly | $0.99 | per year | | YOR Premium | $6.99 | per 7 days | | YOR Premium | $6.99 | per month | | Yoki Premium | $7.99 | per month | | Yoki Premium | $69.99 | per year | ## Version history (last 5 releases) ### 2.5.0 — 2026-08-22 Introducing Financial Simulators in the Action Hub - interactive financial forecasting tools designed to help you make smarter money decisions in seconds: 1. Debt Payoff Simulator: Compare the Avalanche vs. Snowball payoff methods side-by-side. See your exact debt-free date, interest saved, and how extra monthly payments accelerate your financial freedom. 2. Found Money Allocator: Received a tax refund, bonus, or unexpected windfall? Automatically balance the optimal split between debt payoff, emergency savings, investments, and guilt-free spending based on your financial stage. 3. Can I Afford This? Test upcoming purchases before you buy. See the real impact on your cash flow, emergency runway, and how many hours of work it takes to pay for it. ### 2.4.0 — 2026-06-01 2.4.0: Welcome to the new Goals tab! Build and manage your wealth strategy with the new Goals section. Set goals with clear timeframes and track whether your savings can fund them after covering essentials like your emergency fund. Plus: Minor UI improvements for a smoother experience. ### 2.3.0 — 2026-05-28 Smarter daily routines and faster performance to keep your financial journey on track! ### 2.2.0 — 2026-05-09 iCloud Sync Is Here: Your data is now seamlessly backed up and synced across all your Apple devices! Never lose your data, even after reinstalling the app. Fresh Achievement Icons: Reaching milestones and unlocking rewards now looks better than ever with redesigned achievement badge icons. ### 2.1.0 — 2026-05-02 New Features & Improvements: • Investment Update Tasks: Stay on top of your portfolio! You can now set up scheduled tasks to keep your investment accounts up to date. Configure your update schedule during onboarding, or access it anytime from the new option in the Investments menu on the Finances tab. • Restart Onboarding: Need a do-over? We've added the ability to restart onboarding tasks, giving you the flexibility to adjust your initial setup and financial profile whenever you need. Bug Fixes: • Fixed an issue where the "Rate Us" button in the profile wasn't always responding. (If you're enjoying the app, it's ready for your review now!) ## Apps similar to Yoki | App | Rating | Price | Category | | --- | --- | --- | --- | | [EmberlyAI](https://appshunter.io/ios/app/emberlyai/id6754082096) | — | Free | Finance | | [Wealth Forecaster Pro](https://appshunter.io/ios/app/wealth-forecaster-pro/id6761288883) | — | Free | Finance | | [Pecunis: Net Worth & FIRE](https://appshunter.io/ios/app/pecunis-net-worth-and-fire/id6759276685) | — | Free | Finance | | [WealthView USA-Finance Tracker](https://appshunter.io/ios/app/wealthview-usa-finance-tracker/id6763511171) | — | Free | Finance | | [Vault Savings & Retirement](https://appshunter.io/ios/app/vault-savings-and-retirement/id6770571788) | — | Free | Finance | | [Kelo - FIRE Retirement Planner](https://appshunter.io/ios/app/kelo-fire-retirement-planner/id6762631658) | — | Free | Finance | ## More apps by Vadim Mikhnevich - [Do or Die: Goal Tracker](https://appshunter.io/ios/app/do-or-die-goal-tracker/id6758245360) All apps by Vadim Mikhnevich: https://appshunter.io/developer/1871725126 ## Related topics [yoki](https://appshunter.io/ios/topics/yoki) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*