YNAB tells you where your money should go. Smartbills shows what it actually bought: the itemized receipt behind each charge, ready to split, return or claim.
At a glance
YNAB, short for You Need A Budget, is a budgeting app built on a method: decide what each dollar is for before you spend it. It imports transactions from the accounts you link, runs on iPhone, Android, the web and Apple Watch, and one subscription can be shared with family. New users get a 34-day free trial.
Best for
People who want to know what they bought, split it fairly and keep the proof.
Where it's stronger
Best for
People who want to change how they plan their money, with a method to follow.
Where it's stronger
Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.
Side by side
These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.
Budgeting method and planning
Itemized receipts matched to charges
Splitting a purchase by item
Return and warranty reminders
Sharing with your household
Subscription tracking
No need to give up your budget. Keep it where it is, and let Smartbills keep the receipts behind the spending.
Smartbills isn't a budgeting app. Use both.
Receipts sent through Smartbills land, matched to the charge.
Photograph receipts you'll need for returns, warranties or taxes.
Tap who had what, and settle up when they pay you back.
FAQ
What people ask us before they sign up.
Keep comparing
The products people evaluate alongside YNAB.
Monarch Money brings all your accounts, budgets and net worth together. Smartbills adds the itemized receipt behind each purchase.
Read the comparisonCopilot Money is a polished budget and investment tracker for Apple devices. Smartbills keeps the itemized receipts behind your spending, on iPhone and Android.
Read the comparisonGoodbudget brings envelope budgeting to your phone. Smartbills keeps the itemized receipts you spend from those envelopes, ready to split and return.
Read the comparisonRocket Money finds subscriptions and can cancel them for you. Smartbills flags them too, and adds the itemized receipt behind every other purchase.
Read the comparisonEach product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
The Smartbills receipt wallet for everything you buy: itemized receipts, email receipts you upload, and photos of the paper ones.
Split a bill by what each person actually had, starting from the receipt already on your phone, and the balance clears when a friend pays you back.
A subscription tracker that finds every recurring charge on your cards and warns you about free trials and price increases.
Get started
Get the app for free and connect the card you shop with. Receipts sent through Smartbills arrive on their own, and you photograph the rest.
