# YNAB vs Rey Finance

The clearest difference is ratings volume: YNAB at 62K against Rey Finance's 4. YNAB also leads on chart position (#6 vs unranked). Rey Finance's advantage is rating (5.0 vs 4.8) and iOS requirement (15.1 vs 18.0). On price, update cadence, 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 Rey Finance sells 4 in-app purchases, starting at $10.00 per month. Whichever you choose, the download price is not the number that matters.

Rey Finance 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 4, so its average is the more settled of the two.

YNAB ships an update weekly, Rey Finance every 5 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | YNAB | Rey Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/rey-finance/id6759183129/reviews)** |
| Number of ratings | **62K** | 4 |
| Positive reviews | 50.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 5 days** |
| Monetization | Subscription | Subscription |
| Best chart rank | **#6** | — |
| Size | 156 MB | 46 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [80HD FinTech, LLC](https://appshunter.io/developer/1877249409) |

## What reviewers say

### YNAB

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

**Currently charting:** #6 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


### Rey Finance

[App page](https://appshunter.io/ios/app/rey-finance/id6759183129)

Manage your finances effortlessly with an AI assistant that provides a consolidated view of your portfolio, transactions, and budget. Chat with the AI for personalized financial advice and insights.

**Highlights:** AI Financial Assistant, Consolidated Dashboard, Portfolio Tracking, Transaction Overview, Budget Management, Personalized Financial Chat

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Rey Membership | $10.00 | per month |
| Rey Monthly Membership | $15.00 | per month |
| Rey Membership | $100.00 | per year |
| Rey Yearly Membership | $150.00 | per year |


## Frequently asked questions

### Is YNAB free?

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

### Is Rey Finance free?

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

### Which has better reviews, YNAB or Rey Finance?

Rey Finance is rated higher. YNAB averages 4.8 out of 5 from 62K ratings, while Rey Finance averages 5.0 from 4 ratings.

### Do YNAB or Rey Finance have ads?

Neither YNAB nor Rey Finance shows ads.

### Which is updated more often, YNAB or Rey Finance?

YNAB ships an update weekly, and Rey Finance every 5 days. Most recently, YNAB was updated on October 28, 2026 and Rey Finance on October 24, 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.*