# Lumy for YNAB vs BreadStack

The clearest difference is update cadence: BreadStack at every 3 days against Lumy for YNAB's every 3 weeks. BreadStack also leads on rating (5.0 vs 4.7). Lumy for YNAB's advantage is ratings volume (43 vs 1) and iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Lumy for YNAB sells 5 in-app purchases, starting at $1.99 per month and BreadStack sells 2 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

BreadStack holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Lumy for YNAB has 43 ratings behind it against 1, so its average is the more settled of the two.

Lumy for YNAB ships an update every 3 weeks, BreadStack every 3 days. The most recent releases landed on September 30, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Lumy for YNAB | BreadStack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (43 ratings)](https://appshunter.io/ios/app/lumy-for-ynab/id6454931849/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/breadstack-envelope-budgeting/id6763686461/reviews)** |
| Number of ratings | **43** | 1 |
| Positive reviews | 95.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 46 MB | 18 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Elyon Labs, LLC](https://appshunter.io/developer/1587032887) | [M&W Business Development LLC](https://appshunter.io/developer/1870669743) |

## What reviewers say

### Lumy for YNAB

[App page](https://appshunter.io/ios/app/lumy-for-ynab/id6454931849)

Visualize your financial data with beautiful charts and detailed reports. This app connects to your existing budget to offer insights into spending habits, net worth, and income versus expenses. Track your progress with customizable spend trackers and set goals for frugal months.

**Highlights:** Daily Net Income charts, Days of Buffer visualization, Net Worth tracking, Income vs. Expense reports, Spend by Category analysis, Spend Trackers, Frugal Months challenges

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $1.99 | per month |
| Yearly Plan | $12.99 | per year |
| Morning coffee | $4.99 | one-time |
| Day of coffee | $9.99 | one-time |
| Coding all night coffee | $29.99 | one-time |


### BreadStack

[App page](https://appshunter.io/ios/app/breadstack-envelope-budgeting/id6763686461)

This app helps you manage your money using the envelope budgeting method. Assign specific jobs to your dollars before you spend them, track real-time balances for each category, and gain insights into your spending habits to build savings.

**Highlights:** Unlimited spending envelopes, Customizable budget calculator, Savings goal tracking, Spending insights, Transaction history, Home screen widget, Parent portal

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BreadStack Pro Weekly | $2.99 | per 7 days |
| BreadStack Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is Lumy for YNAB free?

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

### Is BreadStack free?

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

### Which has better reviews, Lumy for YNAB or BreadStack?

BreadStack is rated higher. Lumy for YNAB averages 4.7 out of 5 from 43 ratings, while BreadStack averages 5.0 from 1 ratings.

### Do Lumy for YNAB or BreadStack have ads?

Neither Lumy for YNAB nor BreadStack shows ads.

### Which is updated more often, Lumy for YNAB or BreadStack?

Lumy for YNAB ships an update every 3 weeks, and BreadStack every 3 days. Most recently, Lumy for YNAB was updated on September 30, 2026 and BreadStack on September 22, 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.*