# Lumy for YNAB vs Splitski

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.

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.

## The numbers

| Metric | Lumy for YNAB | Splitski |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (46 ratings)](https://appshunter.io/ios/app/lumy-for-ynab/id6454931849/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/splitski-ai-receipt-split/id6768497622/reviews)** |
| Number of ratings | **46** | 3 |
| Positive reviews | 91.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 46 MB | 6 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Elyon Labs, LLC](https://appshunter.io/developer/1587032887) | [Brooke Builds Stuff LLC](https://appshunter.io/developer/1896579022) |

## 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 (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Morning coffee | $4.99 | one-time |
| Day of coffee | $9.99 | one-time |
| Coding all night coffee | $29.99 | one-time |


### Splitski

[App page](https://appshunter.io/ios/app/splitski-ai-receipt-split/id6768497622)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitski Pro | $4.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*