# YNAB vs Wallet Wise

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.

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.

## The numbers

| Metric | YNAB | Wallet Wise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews)** | — |
| Number of ratings | **62K** | — |
| Positive reviews | 50.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Subscription | — |
| Best chart rank | **#4** | — |
| Size | 156 MB | 119 MB |
| Requires iOS | 18.0 | **13.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Lang Hoang](https://appshunter.io/developer/1493923379) |

## 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


### Wallet Wise

[App page](https://appshunter.io/ios/app/wallet-wise-expense-tracker/id6736653089)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Text only plan (One month) | $0.99 | per month |
| Media plan (One month) | $1.99 | per month |
| Text only plan (One year) | $9.99 | per year |
| Media plan (One year) | $19.99 | per year |


## Frequently asked questions

### Is YNAB free?

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

### Is Wallet Wise free?

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

### Do YNAB or Wallet Wise have ads?

Wallet Wise shows ads; YNAB does not.

### Which is updated more often, YNAB or Wallet Wise?

YNAB ships an update weekly, and Wallet Wise every 2 weeks. Most recently, YNAB was updated on October 15, 2026 and Wallet Wise on September 29, 2026.

---

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