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  • Strategist
  • Spender
  • Saver
  • Scrambler

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Priceless Tay
Find My Money Type

Investing comparison

Bloom vs YNAB

Updated

Bloom logoBloomInvesting app
YNAB logoYNABBudgeting app

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Short answer

Bloom is an investing app and YNAB is a budgeting app. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year, while YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 9 rows in the table below.

Bloom vs YNAB at a glance

Bloom is an investing app and YNAB is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 3 of the 9 rows in the table below.

Price and fees

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked both on Oct 24, 2026.

Free trial

YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked YNAB on Oct 24, 2026.

Opening and balance minimums

Bloom has no minimum account balance, but deposits and stock orders must be at least $1. We haven't verified this for YNAB yet, so check the official site for YNAB before you decide. We checked Bloom on Oct 24, 2026.

Protection

Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. We haven't verified this for YNAB yet, so check the official site for YNAB before you decide. We checked Bloom on Oct 24, 2026.

Platforms

Bloom lists iOS and Android. We haven't verified this for YNAB yet, so check the official site for YNAB before you decide. We checked Bloom on Oct 24, 2026.

Bank syncing

YNAB lets you connect your accounts and import transactions. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked YNAB on Oct 24, 2026.

Features

Bloom lists AI features, which the sources we checked don't confirm for YNAB. YNAB lists goals and shared budgets, which the sources we checked don't confirm for Bloom. We checked both on Oct 24, 2026.

App store rating

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. YNAB has 4.8 out of 5 on the App Store from 61,968 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

Bloom and YNAB, side by side

Rows marked “Differs” are where the two official sources say different things, and 3 rows do here.

Swipe the table sideways to see both apps.

Bloom compared with YNAB. Each cell shows the date it was checked and links to its source.
FieldBloom logoBloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's siteYNAB logoYNABBudgeting appYNAB is a paid budgeting app built around the YNAB Method, where you give every dollar a job before you spend it.Visit YNAB's site
Price and feesDiffersBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faqYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 24, 2026. Source: ynab.com/pricing
Free trialNot verified yet.YNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Oct 24, 2026. Source: ynab.com/pricing
APY or rateNot verified yet.Not verified yet.
Opening and balance minimumsBloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faqNot verified yet.
ProtectionBloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protectsNot verified yet.
PlatformsBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.comNot verified yet.
Bank syncingNot verified yet.Yes. YNAB lets you connect your accounts and import transactions.As of Oct 24, 2026. Source: ynab.com/pricing
FeaturesDiffers
  • Yes: AI features
As of Oct 24, 2026. Source: bloomapp.com
  • Yes: Goals
  • Yes: Shared budgets
As of Oct 24, 2026. Source: ynab.com/pricing
App store ratingDiffersBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listingYNAB has 4.8 out of 5 on the App Store from 61,968 ratings.As of Oct 24, 2026. Source: App Store listing

App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.

What the apps look like

Bloom

  • Bloom App Store screenshot 1 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 2 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 3 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Bloom on the App Store, as of Oct 24, 2026.

YNAB

  • YNAB App Store screenshot 1 of 4, as of Oct 24, 2026
  • YNAB App Store screenshot 2 of 4, as of Oct 24, 2026
  • YNAB App Store screenshot 3 of 4, as of Oct 24, 2026
  • YNAB App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: YNAB on the App Store, as of Oct 24, 2026.

Which fits your Money Type?

There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.

  • Strategist

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Save the Raise.

  • Spender

    YNAB lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.

    First fix: Sleep on It.

  • Saver

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Put It to Work.

  • Scrambler

    YNAB lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

    First fix: Bills First.

Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Another option: Fifecta

If neither Bloom nor YNAB feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

Try Fifecta free

What real users say

These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

What Bloom users say

Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
  • Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
  • Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.

Positive

“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
u/itsyourboyjjjj in r/investing on Reddit, . Read it on Reddit.

Critical

“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
u/ConditionSufficient7 in r/investingforbeginners on Reddit, . Read it on Reddit.
Where these come from

What YNAB users say

Based on 500 App Store reviews, 35 Reddit posts, 2 YouTube videos and 25 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 562 reviews, posts and videos we read, 134 mention how easy or hard the app is to use.
  • Of the 562 reviews, posts and videos we read, 103 mention the price, fees or the subscription.
  • Of the 562 reviews, posts and videos we read, 90 mention debt, money stress or feeling in control.

Positive

“There is admittedly a learning curve, but once you learn how YNAB works it is life changing. I finally have ownership over my finances.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
u/trambalambo in r/FPandA on Reddit, . Read it on Reddit.

Critical

“Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
mpyne on Hacker News, . Read it on Hacker News.
Where these come from

FAQ

How much does Bloom cost?

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 2026.

How much does YNAB cost?

YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked this on Oct 24, 2026.

Which is cheaper, Bloom or YNAB?

The lowest monthly price Bloom lists is $15 a month, and the lowest YNAB lists is $14.99 a month, so YNAB lists the lower monthly price. We checked both on Oct 24, 2026, and plans change, so check both pricing pages before you decide.

What is Bloom's app store rating?

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

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Keep comparing

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Want a plan built on your Money Type?

Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.

Try Fifecta free
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Sources and dates

This is education, not financial advice.