YNAB is the better app overall, scoring 8.9 to 8.4. YNAB wins on 3 of the 5 scores, Revolut on 1, with 1 tied.
People who want to break the paycheck-to-paycheck cycle with a hands-on method
Frequent travelers who want one app for spending, saving and currency exchange
Score by score
The details
| Feature | YNAB | Revolut |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #2 of 12 | #8 of 12 |
| Developer | You Need A Budget LLC | Revolut Ltd |
| Pricing | Subscription | Free + paid plans |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | ✓ |
| Web | ✓ | ✓ |
Common questions
Is YNAB better than Revolut?
YNAB is the better app overall, scoring 8.9 to 8.4. YNAB wins on 3 of the 5 scores, Revolut on 1, with 1 tied.
Which is cheaper, YNAB or Revolut?
YNAB: 34-day free trial, then $14.99/month or $109/year; share with up to 5 others. Revolut: Free Standard plan; paid plans such as Premium and Metal add perks for a monthly fee. On value for money, Revolut scores higher.
Do YNAB and Revolut work on the same devices?
Yes, both run on iPhone & iPad, Android, Web.
Which is more private, YNAB or Revolut?
YNAB scores higher on privacy (8.8/10). App Store label links financial info, purchase history, precise location, contact info and usage data to you, and uses your email for marketing. No tracking is declared and the app shows no ads.
Strengths and weaknesses
YNAB
- Changes how you think about spending, not just tracks it
- One subscription covers up to six people at no extra cost
- Excellent education through free workshops and guides
- Steep learning curve for the first month
- No free plan beyond the 34-day trial
- Investment tracking is basic
YNAB is a budgeting method as much as an app. You give every dollar a job before you spend it, and the app makes overspending obvious right away. Steady updates keep smoothing the routine, from photo attachments to a Plan Reset for starting fresh. The learning curve is real and there is no free plan, but if you want to break the paycheck-to-paycheck cycle, no app teaches it better.
Full YNAB review
Revolut
- Free plan covers spending, transfers and budgeting
- One app for spending, saving, investing and travel
- Fast, feature-rich app with instant notifications
- Constant upsells and a crowded interface
- Support can be slow if your account is flagged
- App Store label shows identifiers used for tracking
Revolut packs a lot into one app: multi-currency spending, budgeting tools, savings, investing and travel perks. The free Standard plan is genuinely useful, and paid plans add higher limits and extras. A new AI assistant, AIR, can break down your spending or help cancel subscriptions by chat, starting in the UK. The trade-off is complexity and constant upsells, so keep a traditional bank account as a backup.
Full Revolut review
