# YNAB vs Keep the Diff

The clearest difference is chart position: YNAB at #5 against Keep the Diff's unranked. 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 Keep the Diff sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

YNAB ships an update weekly, Keep the Diff every 6 days. The most recent releases landed on October 16, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | YNAB | Keep the Diff |
| --- | --- | --- |
| 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 | No |
| Update frequency | Weekly | **Every 6 days** |
| Monetization | Subscription | — |
| Best chart rank | **#5** | — |
| Size | 156 MB | 13 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone, iPad, Apple Watch | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Augustus Travels LLC](https://appshunter.io/developer/1583073613) |

## What reviewers say

### YNAB

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

**Currently charting:** #5 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


### Keep the Diff

[App page](https://appshunter.io/ios/app/keep-the-diff-save-money/id6802051358)

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $4.99 | per month |
| Premium Annual | $39.99 | per year |


## Frequently asked questions

### Is YNAB free?

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

### Is Keep the Diff free?

Keep the Diff is free to download, with in-app purchases available.

### Do YNAB or Keep the Diff have ads?

Neither YNAB nor Keep the Diff shows ads.

### Which is updated more often, YNAB or Keep the Diff?

YNAB ships an update weekly, and Keep the Diff every 6 days. Most recently, YNAB was updated on October 16, 2026 and Keep the Diff on October 14, 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.*