# YNAB vs Financial Discipleship

The clearest difference is review sentiment: YNAB at 51% against Financial Discipleship's 0%. YNAB also leads on rating (4.8 vs 4.3) and update cadence (weekly vs every 2 months). Financial Discipleship's advantage is in-app purchases (none vs 4). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month. Financial Discipleship asks for nothing beyond the download.

YNAB holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: YNAB has 62K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 51% of YNAB's written reviews are positive against 0% of Financial Discipleship's.

YNAB ships an update weekly, Financial Discipleship every 2 months. The most recent releases landed on October 18, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | YNAB | Financial Discipleship |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews)** | [4.3 (3 ratings)](https://appshunter.io/ios/app/financial-discipleship/id1538768271/reviews) |
| Number of ratings | **62K** | 3 |
| Positive reviews | **50.9% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Subscription | **Free** |
| Best chart rank | **#6** | — |
| Size | 156 MB | 2 MB |
| Requires iOS | 18.0 | **17.6** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Compass- finances God’s way](https://appshunter.io/developer/1538768273) |

## What reviewers say

### YNAB

[App page](https://appshunter.io/ios/app/ynab/id1010865877)

**Currently charting:** #6 Top Grossing · Finance (US App Store)

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

**Highlights:** Create and share unlimited spending plans, Automatically import transactions, Manually add transactions, Loan Planner for debt paydown, Visualize progress towards goals, Real-time updates for shared plans

**Features:** Apple Watch app

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $109.00 | per year |
| YNAB Subscription | $109.00 | per year |

**What reviewers like**

- 💰 Helps save money
- 👍 Intuitive and easy to use
- 🚀 Efficient budgeting system
- 🤝 Helpful for couples/families
- 🧠 Changes financial mindset

**What reviewers complain about**

- 🔍 Steep learning curve
- 🔌 Connectivity issues with some banks
- 💰 Expensive subscription
- 🕰️ Reconciliation process could be improved
- 📱 Mobile app lacks some features of web version

**Reported bugs**

- Frequent disconnections from bank accounts
- Syncing issues between mobile and web versions

**Requested features**

- Fortnightly budgeting options
- Improved reporting and analytics
- Ability to upload files/documents
- Undo/redo functionality
- Biometric login for mobile app


### Financial Discipleship

[App page](https://appshunter.io/ios/app/financial-discipleship/id1538768271)

Track your financial transactions for 30 days and compare them to your spending plan. This app allows you to add transactions from any device and join prayer groups for your studies. You can also add and receive notifications for prayer requests.

**Highlights:** 30-day financial transaction tracking, Spending plan comparison, Cross-device transaction entry, Prayer group creation and joining, Prayer request management, Prayer notification system

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is YNAB free?

YNAB is free to download, with in-app purchases available.

### Is Financial Discipleship free?

Financial Discipleship is free to download, with no in-app purchases.

### Which has better reviews, YNAB or Financial Discipleship?

YNAB is rated higher. YNAB averages 4.8 out of 5 from 62K ratings, while Financial Discipleship averages 4.3 from 3 ratings.

### Do YNAB or Financial Discipleship have ads?

Neither YNAB nor Financial Discipleship shows ads.

### Which is updated more often, YNAB or Financial Discipleship?

YNAB ships an update weekly, and Financial Discipleship every 2 months. Most recently, YNAB was updated on October 18, 2026 and Financial Discipleship on October 12, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*