YNAB vs Wallet Wise
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
Wallet Wise
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Managing your family's finances has never been simpler! With Wallet Wise, your entire family can work together to turn your dreams into reality. Plan together, track expenses, and achieve your shared financial goals. Our app offers a comprehensive suite of features to help you effortlessly monitor your spending. * COLLABORATE SEAMLESSLY Wallet Wise is the perfect financial companion for your family. Invite family members to join a shared spending book. Each member has their own account while tracking shared expenses like rent, utilities, and groceries. This gives your family a clear overview of your finances, enabling you to create a budget and achieve your financial goals together. * QUICK AND EASY EXPENSE TRACKING Managing family finances has never been easier. With just a few taps, any family member can quickly and accurately record expenses, from daily meals to major purchases. This gives your family a clear picture of your financial situation and helps you make more informed spending decisions. * DETAILED EXPENSE ANALYSIS Are you sure you know where your money is going? Which expenses are necessary? Which ones can you cut back on to save more? On which days of the week do you tend to spend the most? Wallet Wise turns dry numbers into engaging stories about your spending habits. With intuitive charts and detailed reports, you can easily identify unnecessary expenses and make smarter financial decisions. This helps you achieve your financial goals faster and more efficiently. * COMPREHENSIVE FAMILY FINANCIAL OVERVIEW Wallet Wise saves you time and effort in managing your finances. With just a few simple steps, you can get a complete overview of your financial situation. With Wallet Wise, you'll always know your family's financial standing, from your account balance and debts to your savings goals. This allows you to create a budget and achieve your financial goals. * SET AND TRACK FINANCIAL GOALS For example, if you want to buy a house in five years, Wallet Wise will help you calculate how much you need to save each month and track your progress. With Wallet Wise, you can easily set up and track your goals. Intuitive charts give you a clear visual of how close you are to your goal. You'll always know how much progress you've made. Experience the joy of achieving your goals with Wallet Wise. The app will keep you motivated and focused. * CREATE A BUDGET Want to take control of your spending? Wallet Wise is the perfect solution. The app helps you create a custom budget, track spending automatically, and receive smart alerts when you're about to go over budget. With intuitive charts, you can easily visualize your financial situation. Let Wallet Wise help you achieve your financial goals easily and securely. * USER-FRIENDLY Enjoy a clean and user-friendly design that makes managing your budget easy, even for those who aren't tech-savvy. * SECURE AND RELIABLE Rest assured, Wallet Wise is a trusted financial management app used by millions. Your data is secured with advanced encryption and stored on Google Cloud's high-security servers. You can be confident that your data is safe, even if you lose your phone. We are committed to protecting your privacy and will not share your information with any third parties. Download Wallet Wise today and take control of your financial future! Website: https://walletwiseapp.net Term of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://walletwiseapp.net/privacy.html
Screenshots
Verdict
The clearest difference is ads: YNAB at none against Wallet Wise's shown. YNAB also leads on chart position (#4 vs unranked). Wallet Wise's advantage is iOS requirement (13.0 vs 18.0). On price, update cadence, in-app purchases and device support 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 Wallet Wise sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
YNAB ships an update weekly, Wallet Wise every 2 weeks. The most recent releases landed on October 15, 2026 and September 29, 2026 respectively.
| Parameter | YNAB | Wallet Wise |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (62K ratings) — better | — |
| Positive reviews | 50.9% of reviews | — |
| Number of ratings | 62K — better | — |
| Update frequency | Weekly — better | Every 2 weeks |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Subscription | — |
| Best chart rank | #4 — better | — |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Requires iOS | 18.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 156 MB | 119 MB |
| Age rating | 4+ | 4+ |
| Developer | You Need A Budget LLC | Lang Hoang |
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
Wallet Wise
Not enough reviews yet to summarise bugs or requests.
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
Wallet Wise
- Text only plan (One month)$0.991 Month
- Media plan (One month)$1.991 Month
- Text only plan (One year)1 Month trial$9.991 Year
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- Media plan (One year)1 Month trial$19.991 Year








