Lumy for YNAB vs Splitski
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Daily Net Income charts
- Days of Buffer visualization
- Net Worth tracking
- Income vs. Expense reports
- Spend by Category analysis
- Spend Trackers
- Frugal Months challenges
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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/
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Lumy for YNAB | Splitski |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (46 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 91.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 46 — better | 3 |
| Update frequency | Every 3 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 46 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Elyon Labs, LLC | Brooke Builds Stuff LLC |
Customer experience
Lumy for YNAB
Splitski
In-app purchases
Lumy for YNAB
- Morning coffee2 variants$4.99
- Day of coffee2 variants$9.99
- Coding all night coffee2 variants$29.99
Splitski
- Splitski Pro$4.99
Questions
Is Lumy for YNAB free?
Is Splitski free?
Which has better reviews, Lumy for YNAB or Splitski?
Do Lumy for YNAB or Splitski have ads?
Which is updated more often, Lumy for YNAB or Splitski?
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