Comparison

YNAB vs Budget Atlas

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 gain control over your finances by creating a proactive spending plan, paying down debt, and reaching your financial goals. It offers real-time updates for shared plans and securely links to financial accounts for automatic transaction import.

Highlights
  • Proactive spending plan creation
  • Debt paydown planning
  • Automatic transaction import
  • Real-time updates for shared plans
  • Goal tracking and visualization
  • Manual transaction entry
  • Siri integration
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

Budget Atlas

Features
Read full description

Budget Atlas is a personal money tracker for wallets, spending, budgets, bills, and goals. You enter transactions yourself. There is no bank login, no account aggregation, and no payment processing. WHAT YOU CAN DO • Track income and expenses across wallets and currencies • Set budgets and see how you are doing this month • Log bills and recurring transactions • Follow savings goals and net worth • Scan receipts on your device • Split shared expenses with friends • View cash flow and category reports • Lock the app with a PIN or Face ID FREE Get started with no subscription. Free includes transactions, bills, receipts, split groups, and reports, with limits of 3 wallets, 3 active budgets, 2 in-progress goals, 3 investments, and 3 debts. PREMIUM (OPTIONAL) Unlock unlimited wallets, budgets, goals, investments, and debts, plus CSV/JSON export and the tax report. FAMILY (OPTIONAL) Everything in Premium, plus a household group you own (up to 4 people, including you). Invited members can use the shared group even on Free. AUTO-RENEWABLE SUBSCRIPTIONS Payment is charged to your Apple ID at confirmation. Subscriptions renew automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple ID → Subscriptions. Premium Monthly — 1 month — USD 4.99 Premium Yearly — 1 year — USD 49.99 Family Monthly — 1 month — USD 14.99 Family Yearly — 1 year — USD 149.99 Prices may vary by country. Apple’s standard EULA applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Budget Atlas does not connect to your bank, does not move money, and does not provide investment, tax, or financial advice.

Screenshots

YNAB4 screens
Budget Atlas4 screens

Verdict

The call

The clearest difference is chart position: YNAB at #4 against Budget Atlas's unranked. Budget Atlas's advantage is iOS requirement (15.1 vs 18.0). On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month and Budget Atlas sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Scorecard2 real differences · 9 level
YNAB versus Budget Atlas: the parameters behind the verdict, then further details
ParameterYNABBudget Atlas
PriceFreeFree
Rating4.8 (62K ratings) — better—
Positive reviews51.0% of reviews—
Number of ratings62K — better—
Update frequencyWeekly—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
Best chart rank#4 — better—
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS18.015.1 — better
Further details — not scored
Size157 MB44 MB
Age rating+44+
DeveloperYou Need A Budget LLCPradap Pandiyan

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

Budget Atlas

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

Budget Atlas

Subscriptions4
  • Premium Monthly$4.991 Month
  • Family Monthly$14.991 Month
  • Premium Yearly$49.991 Year
Show 1 more
  • Family Yearly$149.991 Year

Questions

Is YNAB free?
YNAB is free to download, with in-app purchases available.
Is Budget Atlas free?
Budget Atlas is free to download, with in-app purchases available.
Do YNAB or Budget Atlas have ads?
Neither YNAB nor Budget Atlas shows ads.

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