# YNAB vs Oops­

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.

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.

## The numbers

| Metric | YNAB | Oops­ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews)** | [3.7 (2.5K ratings)](https://appshunter.io/ios/app/oops/id1593466495/reviews) |
| Number of ratings | **62K** | 2.5K |
| Positive reviews | **50.9% of reviews** | 31.6% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 2 days** |
| Monetization | Subscription | **Free with in-app purchases** |
| Best chart rank | **#5** | — |
| Size | 156 MB | 133 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Oops Finance, Inc.](https://appshunter.io/developer/1593466497) |

## What reviewers say

### YNAB

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

**Currently charting:** #5 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


### Oops­

[App page](https://appshunter.io/ios/app/oops/id1593466495)

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.

**Highlights:** Link unlimited bank accounts, Track all spending in one place, Sort transactions in real-time, Identify impulse purchases, Review spending habits, Build financial awareness

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Oops Gold | $3.99 | per month |
| Pro Weekly | $4.99 | per 7 days |
| Oops Pro | $4.99 | per month |
| Pro Monthly | $6.99 | per month |
| Oops Gold | $9.99 | per month |
| Annual $39.99 | $39.99 | per year |
| Oops Pro Annual | $59.99 | per year |
| First Time Connection | $3.99 | one-time |

**What reviewers like**

- 🎨 Visually appealing and intuitive interface
- 🕹️ Fun and engaging way to track spending
- 🔍 Comprehensive transaction categorization
- 🤝 Ability to share spending with friends

**What reviewers complain about**

- 🚫 App no longer works or has stopped functioning
- 💰 Excessive paywalls and subscription requirements
- 🔒 Concerns about security and data privacy
- 🔁 Frequent disconnections from bank accounts

**Reported bugs**

- Transactions disappearing or not syncing properly
- Inability to log in or access account information
- Glitches during onboarding and setup process

**Requested features**

- Custom spending categories
- Budgeting and goal-setting tools
- Integration with more financial institutions
- Improved customer support and responsiveness


## Frequently asked questions

### Is YNAB free?

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

### Is Oops­ free?

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

### Which has better reviews, YNAB or Oops­?

YNAB is rated higher. YNAB averages 4.8 out of 5 from 62K ratings, while Oops­ averages 3.7 from 2.5K ratings.

### Do YNAB or Oops­ have ads?

Neither YNAB nor Oops­ shows ads.

### Which is updated more often, YNAB or Oops­?

YNAB ships an update weekly, and Oops­ every 2 days. Most recently, YNAB was updated on October 12, 2026 and Oops­ on October 7, 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.*