# YNAB vs Zeroed

The clearest difference is in-app purchases: Zeroed at none against YNAB's 4. YNAB's advantage is update cadence (weekly vs monthly) and chart position (#4 vs unranked). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. YNAB sells 4 in-app purchases, starting at $14.99 per month. Zeroed asks for nothing beyond the download.

YNAB ships an update weekly, Zeroed monthly. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | YNAB | Zeroed |
| --- | --- | --- |
| 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 | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Monthly |
| Monetization | Subscription | — |
| Best chart rank | **#4** | — |
| Size | 156 MB | 2 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) | [Nicholas Boults](https://appshunter.io/developer/6794605644) |

## What reviewers say

### YNAB

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

**Currently charting:** #4 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


### Zeroed

[App page](https://appshunter.io/ios/app/zeroed-debt-payoff-planner/id6803889775)

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

**In-app purchases:** none


## Frequently asked questions

### Is YNAB free?

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

### Is Zeroed free?

Zeroed is free to download, with no in-app purchases.

### Do YNAB or Zeroed have ads?

Neither YNAB nor Zeroed shows ads.

### Which is updated more often, YNAB or Zeroed?

YNAB ships an update weekly, and Zeroed monthly. Most recently, YNAB was updated on October 14, 2026 and Zeroed on October 7, 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.*