Comparison

Lumy for YNAB vs Splitski

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Lumy for YNAB

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
Read full description

Lumy for YNAB is the #1 companion app to the You Need A Budget (YNAB) app. If you are searching for an app with beautiful charts, reports, and metrics that help you better visualize your spending habits, look no further! Lumy for YNAB works by linking to your YNAB budget and using the data returned by YNAB's public API (fancy-talk for "a way to talk to YNAB's servers") to create amazing charts and nerdy reports. Here are just a few things Lumy for YNAB offers: Charts, charts, charts! - Daily Net Income--How much money are you earning on a daily basis? - Days of Buffer--How many days of spending would your budget support if you no longer had income? - Net Worth--When considering your assets and liabilities, how much money do you have? - Income v. Expense--Visualize your spending against your income. Are you making more than you're spending? - Spend by Category--Which categories are you spending the most in? - Spend by Day of Week--What days make you feel extra spendy? - Spend by Payee--Who are you giving all your money to? Spend Trackers: Track spending by category (or category group), payee, memo keyword, flag color, or even a combination of these. See net spend, weekly spending, monthly spending, percentage of income spent, and more! Frugal Months: Want a challenge? Push yourself to spend less than the limit you set in a given month. Notifications help you stay updated and on track all month. Lumy for YNAB takes your YNAB experience to the next level. Trust us, you've never YNAB'd like this before. Resources: Privacy policy: https://lumyforynab.app/privacy Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Splitski

Effortlessly split restaurant bills with friends. Snap a receipt, assign items, and the app calculates each person's exact share, including tax and tip. Send Venmo requests directly from the app.

Highlights
  • AI receipt itemization
  • Proportional tax and tip splitting
  • Direct Venmo request generation
  • Solo-payer mode (no download for friends)
  • Handles various receipt conditions
  • One-time purchase for unlimited use
Features
Read full description

You paid for the table. Now Splitski does the math. Snap a photo of the restaurant receipt. AI itemizes every line, you tap who got what, and Splitski sends each person their exact Venmo request — proportional tax and tip already split. Done in three taps. HOW IT WORKS 1. Snap the receipt with your phone 2. Tap which friend got which items (one item can split between many) 3. Splitski opens Venmo with each request pre-filled — confirm and send WHY SPLITSKI • Solo-payer mode — only you need the app. Friends just receive normal Venmo requests, no download needed. • Smart tax — divided proportionally based on what each person ordered, not split evenly. • Tip your way — detected from the receipt or set with a quick 15 / 18 / 20 / custom % picker. • Bulk Venmo — cycles through requests one tap at a time. No copy-paste, no manual amounts. • Built for receipts — handles crumpled, faded, hand-written, and dim-lit photos with AI vision. PRICING • 3 splits free, forever • $4.99 one-time unlocks unlimited splits • No subscription. No upsells. No ads. PRIVACY • Sign in with Apple — no email or password needed • Receipt photos are processed for the split and not used to train any model • Friends' phone numbers stay on your device; Venmo handles the request Built for the friend who always covers the table.

Screenshots

Lumy for YNAB4 screens
Splitski4 screens

Verdict

The call

The clearest difference is rating: Splitski at 5.0 against Lumy for YNAB's 4.5. Splitski also leads on update cadence (every 3 days vs every 3 weeks) and review sentiment (100% vs 92%). Lumy for YNAB's advantage is ratings volume (46 vs 3) and device support (3 vs 1). On price, ads, in-app purchases and monetization model 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. Lumy for YNAB sells 3 one-off in-app purchases and Splitski sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Splitski holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Lumy for YNAB has 46 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 92% of Lumy for YNAB's written reviews are positive against 100% of Splitski's.

UpkeepUpdate frequency

Lumy for YNAB ships an update every 3 weeks, Splitski every 3 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard6 real differences · 4 level
Lumy for YNAB versus Splitski: the parameters behind the verdict, then further details
ParameterLumy for YNABSplitski
PriceFreeFree
Rating4.5 (46 ratings)5.0 (3 ratings) — better
Positive reviews91.7% of reviews100.0% of reviews — better
Number of ratings46 — better3
Update frequencyEvery 3 weeksEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size46 MB6 MB
Age rating4+4+
DeveloperElyon Labs, LLCBrooke Builds Stuff LLC

Customer experience

Lumy for YNAB

All ratings46 ratings
Positive89.1%
Neutral0.0%
Negative10.9%
Written reviews24 reviews
Positive91.7%
Neutral0.0%
Negative8.3%

Splitski

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Lumy for YNAB

One-time3
  • Morning coffee2 variants$4.99
  • Day of coffee2 variants$9.99
  • Coding all night coffee2 variants$29.99
1 purchases

Splitski

One-time1
  • Splitski Pro$4.99

Questions

Is Lumy for YNAB free?
Lumy for YNAB is free to download, with in-app purchases available.
Is Splitski free?
Splitski is free to download, with in-app purchases available.
Which has better reviews, Lumy for YNAB or Splitski?
Splitski is rated higher. Lumy for YNAB averages 4.5 out of 5 from 46 ratings, while Splitski averages 5.0 from 3 ratings.
Do Lumy for YNAB or Splitski have ads?
Neither Lumy for YNAB nor Splitski shows ads.
Which is updated more often, Lumy for YNAB or Splitski?
Lumy for YNAB ships an update every 3 weeks, and Splitski every 3 days. Most recently, Lumy for YNAB was updated on November 3, 2026 and Splitski on November 5, 2026.

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