Comparison

YNAB vs RegretIt

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 you manage your finances, create a spending plan, and track your progress towards goals. It aims to reduce financial stress and debt by providing tools for budgeting, planning, and understanding your money.

Highlights
  • Create and share unlimited financial plans
  • Real-time updates across devices
  • Loan planner for debt paydown
  • Automatic transaction import
  • Manual transaction entry
  • Goal tracking and visualization
  • Flexible spending plan creation
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

RegretIt

Features
Read full description

Stop pretending that impulse buy was worth it. RegretIt tracks the purchases you already regret and roasts you for them. Log every questionable decision, watch your Total Damage climb, and share your shame with the world. HOW IT WORKS Log a purchase, rate how much you regret it, snap a photo, and let the app do the rest. RegretIt calculates your running total, tracks your spending streaks, and serves up personalized commentary on your financial choices. AI-POWERED ROASTS Every purchase gets a unique, AI-generated roast tailored to what you bought and how much you spent. The more you spend, the harder it hits. REGRET ROULETTE Tap Spin Regret Roulette on Home, or just shake your phone, to dig up a random regret from your past. Relive it. Learn nothing. REGRET RECEIPT Turn any regret into a printed-style receipt: date, item, amount, regret level, and 100% emotional tax. Built to share. SHAME MILESTONES Hit $1K, $5K, $50K, or even $1M in total regrets and unlock custom milestone cards with AI-generated images showing what you could have bought instead. A tropical vacation. A sports car. A house. SHARE YOUR DAMAGE Built for social. Export your Total Damage card, weekly report, monthly recap, or streak counter directly to Stories. Every share card is designed to make your friends cringe. WIDGETS THAT HAUNT YOU Add Total Damage or Daily Roast widgets to your Home Screen and Lock Screen. A constant reminder of your choices, right where you can't ignore it. STREAK TRACKING See how many days you've gone without a regretful purchase. Build your streak, get milestone notifications, and try to beat your personal best. DEEP STATS (PRO) Unlock advanced analytics: your worst spending day, top regret category, regret velocity, biggest month, and more. Every stat is shareable. PRIVACY FIRST No account, no ads, no trackers. Your entries sync privately through your own iCloud, and photos back up securely so they survive a new phone. REGRETIT PRO Unlock unlimited entries, AI roasts, deep stats, and watermark-free share cards. New subscribers to the weekly plan can start with a 3-day free trial. Weekly Yearly Lifetime (one-time purchase) The price shows before you buy. Payment will be charged to your Apple Account at the confirmation of purchase. The subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://regretit.aiappnation.com/privacy

Screenshots

YNAB4 screens
RegretIt4 screens

Verdict

The call

The clearest difference is chart position: YNAB at #5 against RegretIt's unranked. 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 RegretIt sells 3 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 14, 2026 and November 9, 2026 respectively.

Scorecard1 real difference · 10 level
YNAB versus RegretIt: the parameters behind the verdict, then further details
ParameterYNABRegretIt
PriceFreeFree
Rating4.8 (62K ratings) — better—
Positive reviews51.1% of reviews—
Number of ratings62K — better—
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
Best chart rank#5 — better—
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS18.017.0 — better
Further details — not scored
Size159 MB12 MB
Age rating4+4+
DeveloperYou Need A Budget LLCPLAYRIOT LLC

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

RegretIt

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
3 purchases

RegretIt

Subscriptions2
  • RegretIt Pro Weekly3 Days trial$2.997 Days
  • RegretIt Pro Yearly$19.991 Year
One-time1
  • RegretIt Pro Lifetime$34.99

Questions

Is YNAB free?
YNAB is free to download, with in-app purchases available.
Is RegretIt free?
RegretIt is free to download, with in-app purchases available.
Do YNAB or RegretIt have ads?
Neither YNAB nor RegretIt shows ads.
Which is updated more often, YNAB or RegretIt?
YNAB ships an update weekly, and RegretIt weekly. Most recently, YNAB was updated on November 14, 2026 and RegretIt on November 9, 2026.

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