Comparison

YNAB vs Receipts for YNAB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Currently charting
Read full description

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

About

Receipts for YNAB

Effortlessly scan receipts with AI to extract line items and automatically suggest YNAB category splits. All processing happens on your device for maximum privacy. Sync directly to your YNAB budget with confidence.

Highlights
  • On-device AI receipt scanning
  • Automatic line item extraction
  • Suggested YNAB category splits
  • Direct YNAB integration
  • Confidence scoring for scans
  • Offline receipt scanning
  • Receipt image storage
Read full description

Tired of splitting your Costco receipt across 5 YNAB categories? Snap a photo: AI extracts every line item, auto-suggests splits, and syncs to YNAB. Your receipts never leave your iPhone. Built from feedback by 100+ r/YNAB users who asked: "Why can't I just snap a receipt and have it enter the data?" We built exactly that, with privacy at the core. THE ONLY RECEIPT SCANNER WITH: • On-device AI (receipts NEVER uploaded to any server) • Automatic split transaction support • Native YNAB integration SMART RECEIPT SCANNING Use your iPhone camera to capture any receipt. Apple Intelligence extracts: • Merchant name and date • Total amount • Individual line items • Suggested YNAB categories Everything happens on your device. Nothing leaves your iPhone. AUTO-SPLIT COMPLEX RECEIPTS That 47-item Costco haul? AI sorts it into groceries, household, pets, and gifts, each as a YNAB subtransaction. Review, adjust, sync. Done before you reach the car. DIRECT YNAB SYNC • Connect securely to your YNAB budget • Create transactions from scanned receipts • Sync line items as subtransactions • Works with any YNAB account You're always in control. Sync only when you choose. CONFIDENCE SCORING Know how accurate each scan is before syncing: • OCR quality check • Data completeness score • Category matching confidence Review and edit anything before it touches your budget. PRIVACY-FIRST DESIGN Your data stays yours: • 100% on-device AI processing • No cloud servers or uploads • No tracking or analytics • Receipt images stored locally • YNAB tokens secured in iOS Keychain We can't see your receipts. That's the point. RECEIPT VAULT Keep receipt images for returns and warranties: • Browse by merchant, date, or amount • Search your purchase history • Edit details anytime • Delete when you're done WORKS OFFLINE Scan receipts anywhere: airplane, subway, camping trip. Sync when you're back online. REQUIREMENTS • iOS 26.0 or later • AI Scanning: iPhone 15 Pro or newer (Apple Intelligence) • Manual Entry: Any iOS 26 device • Active YNAB subscription (for syncing) PRICING Free: 10 AI scans + 5 YNAB syncs per month Manual Entry: $0.99/month or $9.99/year • Unlimited manual transactions • Unlimited YNAB syncing AI Scanning: $2.99/month or $29.99/year • Unlimited AI-powered scanning • Unlimited YNAB syncing • 14-day free trial No ads. No hidden fees. Cancel anytime. BUILT BY A YNAB USER Developed by eTurea, an indie developer and fellow YNABer who got tired of typing receipts manually. Built with privacy at the core because your financial data shouldn't live on someone else's server. Support: ReceiptsforYNAB.app@gmail.com Privacy: eturea.github.io/Receipts-for-YNAB-site/privacy Terms: eturea.github.io/Receipts-for-YNAB-site/terms Receipts for YNAB is not affiliated with or endorsed by YNAB (Steine LLC). "YNAB" and "You Need A Budget" are trademarks of Steine LLC. Receipts for YNAB is free to use for manual receipt entry and local storage. Optional auto-renewing subscriptions unlock additional features: • AI Monthly - $2.99/month • AI Yearly - $29.99/year • Manual Monthly - $0.99/month • Manual Yearly - $9.99/year The AI tiers unlock automatic receipt scanning with Apple Intelligence. The plans include a free introductory trial. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your App Store account settings after purchase. Privacy Policy: https://eturea.github.io/Receipts-for-YNAB-site/privacy Terms of Use (EULA): https://eturea.github.io/Receipts-for-YNAB-site/terms

Screenshots

YNAB4 screens
Receipts for YNAB4 screens

Verdict

The call

The clearest difference is review sentiment: YNAB at 51% against Receipts for YNAB's 0%. YNAB also leads on chart position (#5 vs unranked) and iOS requirement (18.0 vs 26.0). Receipts for YNAB's advantage is monetization model (free with in-app purchases vs subscription). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month and Receipts for YNAB sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

YNAB ships an update weekly, Receipts for YNAB every 10 days. The most recent releases landed on October 23, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 7 level
YNAB versus Receipts for YNAB: the parameters behind the verdict, then further details
ParameterYNABReceipts for YNAB
PriceFreeFree
Rating4.8 (62K ratings) — better—
Positive reviews50.9% of reviews — better0.0% of reviews
Number of ratings62K — better—
Update frequencyWeekly — betterEvery 10 days
AdsNoNo
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
Best chart rank#5 — better—
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS18.0 — better26.0
Further details — not scored
Size156 MB11 MB
Age rating4+4+
DeveloperYou Need A Budget LLCEduard Turea

Customer experience

YNAB

All ratings61,959 ratings
Positive95.1%
Neutral1.4%
Negative3.5%
Written reviews1,679 reviews
Positive50.9%
Neutral9.5%
Negative39.6%

Receipts for YNAB

Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

Receipts for YNAB

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

YNAB

Subscriptions4
  • YNAB Subscription1 Month trial$14.991 Month
  • YNAB Subscription$14.991 Month
  • YNAB Subscription1 Month trial$109.001 Year
Show 1 more
  • YNAB Subscription$109.001 Year
4 purchases

Receipts for YNAB

Subscriptions4
  • Manual – Monthly14 Days trial$0.991 Month
  • AI – Monthly14 Days trial$2.991 Month
  • Manual – Yearly14 Days trial$9.991 Year
Show 1 more
  • AI – Yearly14 Days trial$29.991 Year

Questions

Is YNAB free?
YNAB is free to download, with in-app purchases available.
Is Receipts for YNAB free?
Receipts for YNAB is free to download, with in-app purchases available.
Do YNAB or Receipts for YNAB have ads?
Neither YNAB nor Receipts for YNAB shows ads.
Which is updated more often, YNAB or Receipts for YNAB?
YNAB ships an update weekly, and Receipts for YNAB every 10 days. Most recently, YNAB was updated on October 23, 2026 and Receipts for YNAB on October 15, 2026.

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