# YNAB vs WiseWallets

The clearest difference is review sentiment: WiseWallets at 100% against YNAB's 51%. WiseWallets also leads on monetization model (free with in-app purchases vs subscription) and update cadence (every 2 days vs weekly). YNAB's advantage is ratings volume (62K vs 3) and chart position (#4 vs unranked). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month and WiseWallets sells 2 in-app purchases, starting at $12.99 per month. Whichever you choose, the download price is not the number that matters.

WiseWallets holds the better App Store score, 5.0 against 4.8. 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 100% of WiseWallets's.

YNAB ships an update weekly, WiseWallets every 2 days. The most recent releases landed on October 14, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | YNAB | WiseWallets |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/wisewallets/id6476206284/reviews)** |
| Number of ratings | **62K** | 3 |
| Positive reviews | 50.9% of reviews | **100.0% 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 | **#4** | — |
| Size | 156 MB | 24 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Austin Hunter](https://appshunter.io/developer/1250276025) |

## What reviewers say

### YNAB

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

**Currently charting:** #4 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


### WiseWallets

[App page](https://appshunter.io/ios/app/wisewallets/id6476206284)

Manage your money with a fun and secure budgeting app. It offers automatic transaction imports, personalized budgeting adventures, and customizable themes. Enjoy regular updates and dedicated support for a delightful financial journey.

**Highlights:** Iron-clad transaction encryption, Auto-magic transaction imports, Personalized budgeting adventures, Custom themes and icons, Regular updates and support

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $12.99 | per month |
| Premium Yearly | $69.99 | per year |


## Frequently asked questions

### Is YNAB free?

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

### Is WiseWallets free?

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

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

WiseWallets is rated higher. YNAB averages 4.8 out of 5 from 62K ratings, while WiseWallets averages 5.0 from 3 ratings.

### Do YNAB or WiseWallets have ads?

Neither YNAB nor WiseWallets shows ads.

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

YNAB ships an update weekly, and WiseWallets every 2 days. Most recently, YNAB was updated on October 14, 2026 and WiseWallets on September 28, 2026.

---

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