YNAB vs Oops
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
YNAB
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.
- 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
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Have you ever worried about money? You are not alone. Download YNAB, get good at money, and never worry about money again. “We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.” -Kyle, YNAB user since 2020 Start your free 30-day trial and stop feeling like you’re bad at money. “YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix." -Kyle, again. We didn’t even pay him to say this, but maybe we should. Why YNAB? -92% of YNAB users report feeling less stressed about money since starting. -The average user saves $600 in the first month, and $6,000 in the first year. “A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.” -Kat, YNAB user since 2016 Benefits and Features STOP ARGUING ABOUT MONEY …and start planning your life, together -Create and share unlimited plans with up to six people with one subscription -Real time updates between devices make it easy to keep everyone informed -Cheaper than couples counseling STOP DROWNING IN DEBT …and start seeing progress with your paydown -Make a plan to pay down debt by calculating time and interest saved with the Loan Planner -Avoid new credit card debt with YNAB’s clever built-in spending categorization feature STOP FEELING DISORGANIZED …and start feeling totally in control -Securely link financial accounts to automatically import transactions -Easily add transactions manually, if you prefer -Ask Siri to update your plan or provide expense category balances on the go START REACHING MORE GOALS …and stop thinking your future is limited -Keep your priorities and goals in focus -Visualize progress as you go -Watch your net worth climb START SPENDING CONFIDENTLY …and stop feeling guilt, doubt, and regret -Calculate your “Cost to Be Me” -Make a flexible, proactive spending plan -Always know how much you have to spend START FEELING SUPPORTED …and stop feeling like you’re alone in this -Talk to our “freakishly nice” award-winning support team (don’t tell them we called them freakish) -Become part of our community of genuine, amazingly supportive people who get it -Attend one of our live events to learn, share, play, and grow with like-minded getting-good-at-money people The first step of never worrying about money again is starting a free 30-day trial. Are you ready to get good at money? (You seem ready! And we already really like you, so please join us.) Free for 30 Days, then Monthly/Annual Subscriptions Available Subscription Details -YNAB is a one-year auto-renewable subscription, billed monthly or annually. -Payment will be charged to your Apple Account at confirmation of purchase. -Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. -Account will be charged for renewal within 24-hours prior to the end of the current period. -Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. -Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. YNAB is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through YNAB as its agent. Terms of Use: https://www.ynab.com/terms/?isolated Privacy Policy: https://www.ynab.com/privacy-policy/?isolated U.S. State Privacy Notice: https://www.ynab.com/privacy-policy/state-privacy-notice?isolated
Oops
Gain financial awareness by linking bank accounts to track spending in one place. Sort transactions as you spend and use a dedicated button to identify and review impulse purchases. Build awareness to become a better spender.
- Link unlimited bank accounts
- Track all spending in one place
- Sort transactions in real-time
- Identify impulse purchases
- Review spending habits
- Build financial awareness
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Oops enables you with financial awareness. Please note: Oops will encrypt your financial data and store it securely. Oops will never have access to your bank credentials. LINK: Link as many bank accounts as you want to keep track of all your spending in one place. SORT: Sort transactions as you spend. You can always be on top of your spending. OOPS: Press the Oops button to catch an impulse purchase or something you regret buying. Stay accountable and see how much money you may be wasting each month. REVIEW: Build awareness and become a better spender. - Oops Gold users have access to Unlimited Transactions Refreshes Oops Gold is a paid renewable subscription. - Terms of service: https://www.oops.app/tos/ Privacy policy: https://www.oops.app/privacy/
Screenshots
Verdict
The clearest difference is rating: YNAB at 4.8 against Oops's 3.7. YNAB also leads on review sentiment (51% vs 32%) and ratings volume (62K vs 2.5K). Oops's advantage is monetization model (free with in-app purchases vs subscription) and update cadence (every 2 days vs weekly). On price, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month and Oops sells 8 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
YNAB holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: YNAB has 62K ratings behind it against 2.5K, 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 32% of Oops's.
YNAB ships an update weekly, Oops every 2 days. The most recent releases landed on October 12, 2026 and October 7, 2026 respectively.
| Parameter | YNAB | Oops |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (62K ratings) — better | 3.7 (2.5K ratings) |
| Positive reviews | 50.9% of reviews — better | 31.6% of reviews |
| Number of ratings | 62K — better | 2.5K |
| Update frequency | Weekly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Subscription | Free with in-app purchases — better |
| Best chart rank | #5 — better | — |
| Devices | iPhone, iPad, Apple Watch — better | iPhone |
| Requires iOS | 18.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 156 MB | 133 MB |
| Age rating | 4+ | 4+ |
| Developer | You Need A Budget LLC | Oops Finance, Inc. |
Customer experience
YNAB
Oops
User reviews
YNAB
From 62K App Store ratingsWhat we love
- 💰 Helps save money
- 👍 Intuitive and easy to use
- 🚀 Efficient budgeting system
- 🤝 Helpful for couples/families
- 🧠 Changes financial mindset
Room to improve
- 🔍 Steep learning curve
- 🔌 Connectivity issues with some banks
- 💰 Expensive subscription
- 🕰️ Reconciliation process could be improved
- 📱 Mobile app lacks some features of web version
Oops
From 2.5K App Store ratingsWhat we love
- 🎨 Visually appealing and intuitive interface
- 🕹️ Fun and engaging way to track spending
- 🔍 Comprehensive transaction categorization
- 🤝 Ability to share spending with friends
Room to improve
- 🚫 App no longer works or has stopped functioning
- 💰 Excessive paywalls and subscription requirements
- 🔒 Concerns about security and data privacy
- 🔁 Frequent disconnections from bank accounts
Bugs and requests
YNAB
Reported bugs
2 issues- Frequent disconnections from bank accounts
- Syncing issues between mobile and web versions
Requested features
5 requests- Fortnightly budgeting options
- Improved reporting and analytics
- Ability to upload files/documents
- Undo/redo functionality
- Biometric login for mobile app
Oops
Reported bugs
3 issues- Transactions disappearing or not syncing properly
- Inability to log in or access account information
- Glitches during onboarding and setup process
Requested features
4 requests- Custom spending categories
- Budgeting and goal-setting tools
- Integration with more financial institutions
- Improved customer support and responsiveness
In-app purchases
YNAB
- YNAB Subscription1 Month trial$14.991 Month
- YNAB Subscription$14.991 Month
- YNAB Subscription1 Month trial$109.001 Year
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- YNAB Subscription$109.001 Year
Oops
- Oops Gold$3.991 Month
- Pro Weekly3 Days trial$4.997 Days
- Oops Pro$4.991 Month
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- Pro Monthly3 Days trial$6.991 Month
- Oops Gold$9.991 Month
- Annual $39.99$39.991 Year
- Oops Pro Annual$59.991 Year
- First Time Connection$3.99









