# The Beans vs Y Retirement

The clearest difference is review sentiment: The Beans at 66% against Y Retirement's 0%. The Beans also leads on update cadence (every 2 weeks vs every 2 months) and ratings volume (87 vs 14). Y Retirement's advantage is rating (4.6 vs 4.1) and in-app purchases (none vs 2). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. The Beans sells 2 in-app purchases, starting at $4.99 per month. Y Retirement asks for nothing beyond the download.

Y Retirement holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: The Beans has 87 ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 66% of The Beans's written reviews are positive against 0% of Y Retirement's, so the app with the better star average is not the one people write more warmly about.

The Beans ships an update every 2 weeks, Y Retirement every 2 months. The most recent releases landed on October 20, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | The Beans | Y Retirement |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (87 ratings)](https://appshunter.io/ios/app/the-beans/id1472437187/reviews) | **[4.6 (14 ratings)](https://appshunter.io/ios/app/y-retirement/id6449714942/reviews)** |
| Number of ratings | **87** | 14 |
| Positive reviews | **65.9% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 58 MB | 43 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [TheBeans](https://appshunter.io/developer/1472415861) | [YMCA Retirement Fund (inc)](https://appshunter.io/developer/1690194870) |

## What reviewers say

### The Beans

[App page](https://appshunter.io/ios/app/the-beans/id1472437187)

This app offers a free, personalized visual financial plan to help you achieve money and life balance. It automatically categorizes transactions, plans expenses, and provides spending updates. Securely connect your accounts for a holistic financial overview.

**Highlights:** Custom visual financial plan, Automatic transaction labeling, Monthly expense planning, Spending and bill updates, Secure account connection, Personalized plan customization

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| The Beans Premium - 1 month | $4.99 | per month |
| The Beans Premium - 1 year | $29.99 | per year |

**What reviewers like**

- 👍 Easy to use and user-friendly
- 🚀 Helps stay motivated and reduce financial anxiety
- 💡 Provides a clear picture of budget and finances
- ✅ Quick and easy plan development
- ✨ Well-designed and reliable

**What reviewers complain about**

- ❌ Not great for entrepreneurs with complex income
- 💸 Unauthorized withdrawal of funds
- 🚫 Unable to download on iPhone
- 🤔 Confusing interface and lack of explanation
- ⚠️ Inaccurate expense tracking

**Reported bugs**

- 🐛 App unable to recognize all income flows for entrepreneurs
- 🐛 Buggy app preventing access to transferred money details
- 🐛 Inaccurate tracking of expenses and month-over-month spending
- 🐛 App overheats iPhone
- 🐛 Transactions on account not showing up in the app

**Requested features**

- Ability to manually add reoccurring expenses and income
- More clear explanations of visuals and functionality
- Option to delete account directly within the app
- Support for weekly payment schedules
- Improved handling of complex income flows for entrepreneurs


### Y Retirement

[App page](https://appshunter.io/ios/app/y-retirement/id6449714942)

Access your retirement account information, including balances and earned interest, and view benefit statements. Estimate future retirement income by adjusting age and contributions. Offers micro-learning resources and secure login options.

**Highlights:** Review account balances and interest earned, View and download Annual Benefit Statements, Estimate future retirement income, Access personal information, Utilize micro-learning resources, Secure multi-factor and biometric login

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

**In-app purchases:** none


## Frequently asked questions

### Is The Beans free?

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

### Is Y Retirement free?

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

### Which has better reviews, The Beans or Y Retirement?

Y Retirement is rated higher. The Beans averages 4.1 out of 5 from 87 ratings, while Y Retirement averages 4.6 from 14 ratings.

### Do The Beans or Y Retirement have ads?

Neither The Beans nor Y Retirement shows ads.

### Which is updated more often, The Beans or Y Retirement?

The Beans ships an update every 2 weeks, and Y Retirement every 2 months. Most recently, The Beans was updated on October 20, 2026 and Y Retirement 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.*