# Ramsey Network vs YNAB

The clearest difference is monetization model: Ramsey Network at free with in-app purchases against YNAB's subscription. Ramsey Network also leads on review sentiment (60% vs 51%) and iOS requirement (15.1 vs 18.0). YNAB's advantage is chart position (#5 vs unranked) and update cadence (weekly vs fortnightly). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Ramsey Network sells 23 one-off in-app purchases and YNAB sells 4 in-app purchases, starting at $14.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.9 for Ramsey Network against 4.8 for YNAB. Both are backed by a comparable volume of ratings — 25K and 62K respectively. Written reviews are what separate them: 60% of Ramsey Network's written reviews are positive against 51% of YNAB's.

Ramsey Network ships an update fortnightly, YNAB weekly. The most recent releases landed on October 15, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Ramsey Network | YNAB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (25K ratings)](https://appshunter.io/ios/app/ramsey-network/id675135060/reviews)** | [4.8 (62K ratings)](https://appshunter.io/ios/app/ynab/id1010865877/reviews) |
| Number of ratings | 25K | **62K** |
| Positive reviews | **59.6% of reviews** | 50.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | — | **#5** |
| Size | 51 MB | 156 MB |
| Requires iOS | **15.1** | 18.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 12+ | 4+ |
| Developer | [The Lampo Group Incorporated](https://appshunter.io/developer/380709890) | [You Need A Budget LLC](https://appshunter.io/developer/1226490621) |

## What reviewers say

### Ramsey Network

[App page](https://appshunter.io/ios/app/ramsey-network/id675135060)

Access a wealth of financial advice and motivational content from Ramsey personalities. Listen to podcasts, audiobooks, and find answers to your money questions with AI-powered search. Stay focused on your financial goals with easy offline listening and topic-based browsing.

**Highlights:** Offline episode downloads, Browse content by topic, In-app audiobook listening, AI-powered question search, Access to multiple Ramsey shows

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

**In-app purchases (23)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Redefining Anxiety | $10.00 | one-time |
| High-Performance Achievement | $14.99 | one-time |
| Rhinoceros Success | $16.99 | one-time |
| EntreLeadership | $17.99 | one-time |
| Gazelles, Baby Steps & 37 ... | $19.99 | one-time |
| Quitter | $19.99 | one-time |
| The Proximity Principle | $19.99 | one-time |
| Love Your Life, Not Theirs | $19.99 | one-time |
| Build A Business You Love | $19.99 | one-time |
| Own Your Past, Change Your F.. | $19.99 | one-time |
| From Paycheck To Purpose | $19.99 | one-time |
| Baby Steps Millionaires | $19.99 | one-time |
| Breaking Free From Broke | $19.99 | one-time |
| Building A Non-Anxious Life | $19.99 | one-time |
| Total Money Makeover 20th | $19.99 | one-time |
| Know Yourself, Know Your Money | $19.99 | one-time |
| Smart Money Smart Kids | $19.99 | one-time |
| Money is Not a Math Problem | $19.99 | one-time |
| The Legacy Journey | $20.00 | one-time |
| What No One Tells You About Money | $24.99 | one-time |
| The Total Money Makeover | $28.99 | one-time |
| Get Clear Assessment: Student | $34.99 | one-time |
| Get Clear Assessment: Find ... | $34.99 | one-time |

**What reviewers like**

- 👍 Great content and easy to use
- 🚀 Awesome practical advice
- 💡 Life-changing information
- 👍 Helpful to stay motivated
- 👍 Provides financial peace

**What reviewers complain about**

- 🐛 App can be slow to open
- 🐛 Audio playback issues
- 🐛 Disconnected device controls
- 🐛 Lack of episode progress tracking
- 🐛 Audiobooks not downloadable

**Reported bugs**

- Feedback button leads to error
- Login screen timeouts
- Inconsistent audio/video sync

**Requested features**

- Landscape mode support
- Episode search and navigation
- Offline audio playback
- Reverse chronological episode order


### YNAB

[App page](https://appshunter.io/ios/app/ynab/id1010865877)

**Currently charting:** #5 Top Grossing · Finance (US App Store)

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

**Highlights:** Create and share unlimited spending plans, Automatically import transactions, Manually add transactions, Loan Planner for debt paydown, Visualize progress towards goals, Real-time updates for shared plans

**Features:** Apple Watch app

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $109.00 | per year |
| YNAB Subscription | $109.00 | per year |

**What reviewers like**

- 💰 Helps save money
- 👍 Intuitive and easy to use
- 🚀 Efficient budgeting system
- 🤝 Helpful for couples/families
- 🧠 Changes financial mindset

**What reviewers complain about**

- 🔍 Steep learning curve
- 🔌 Connectivity issues with some banks
- 💰 Expensive subscription
- 🕰️ Reconciliation process could be improved
- 📱 Mobile app lacks some features of web version

**Reported bugs**

- Frequent disconnections from bank accounts
- Syncing issues between mobile and web versions

**Requested features**

- Fortnightly budgeting options
- Improved reporting and analytics
- Ability to upload files/documents
- Undo/redo functionality
- Biometric login for mobile app


## Frequently asked questions

### Is Ramsey Network free?

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

### Is YNAB free?

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

### Which has better reviews, Ramsey Network or YNAB?

Ramsey Network is rated higher. Ramsey Network averages 4.9 out of 5 from 25K ratings, while YNAB averages 4.8 from 62K ratings.

### Do Ramsey Network or YNAB have ads?

Neither Ramsey Network nor YNAB shows ads.

### Which is updated more often, Ramsey Network or YNAB?

Ramsey Network ships an update fortnightly, and YNAB weekly. Most recently, Ramsey Network was updated on October 15, 2026 and YNAB on October 16, 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.*