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Find My Money Type

Debt payoff comparison

Changed vs YNAB

Updated

Data as of

Changed checked YNAB checked

I earn commissions from some links.

Changed logo

Changed

Debt payoff app

Visit site for Changed (opens in a new tab)
App Store marketing images, as of Oct 24, 2026
Changed App Store image of the Home screen
Changed App Store image of the Payoff screen
Changed App Store image with a tilted phone
YNAB logo

YNAB

Budgeting app

Visit site for YNAB (opens in a new tab)
App Store marketing images, as of Oct 24, 2026
YNAB App Store image of a tilted phone showing the Home screen
YNAB App Store image of the Edit Plan screen on a tilted phone
YNAB App Store image of a category target screen

Short answer

  • Pick Changed if you want the lower monthly price ($6, compared with $14.99).
  • Pick YNAB if you want features for kids or teens, business spending tracked next to personal spending, or the higher App Store rating (4.8, compared with 4.6).
  • The biggest difference is what they are: Changed is a debt payoff app, and YNAB is a budgeting app.

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

Changed vs YNAB at a glance

  • Changed logoChanged

    Price
    $6a month
    Rating
    4.6 of 5App Store, 5,680 ratings
    Platforms
    1iOS

  • YNAB logoYNAB

    Price
    $14.99a month
    Rating
    4.8 of 5App Store, 62,068 ratings
    Platforms
    5Web, iPhone, Android, iPad, Apple Watch

What it costs

  • Changed logoChangedLower price

    $6a month

    Changed's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month.

    Sourcegochanged.com/changed-plans, checked .
  • YNAB logoYNAB

    $14.99a month

    YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

    $109 a year at the yearly list price, or $327 over 3 years, before tax.

    Sourceynab.com/pricing, checked .

Bars show only when every app here lists a yearly price, so these prices sit side by side without them. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.

Features

YNAB also lists savings goals, shared budgets, investment tracking, data export and API or MCP access.

Sources for these features

Yes means the official site lists it. No means the official site says the app doesn't have it.

Changed and YNAB, side by side

Changed and YNAB compared. Each value's source and the date we checked it open from its Source link.
PlatformsDiffers
ChangedChanged lists iOS.
SourceApp Store listing, checked .
YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.
Sourceynab.com/our-app-lineup, checked .
Bank syncingDiffers
ChangedYes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
Sourcegochanged.com/how-it-works, checked .
YNABYes. YNAB lets you connect your accounts and import transactions.
Sourceynab.com/pricing, checked .
App store ratingDiffers
ChangedChanged has 4.6 out of 5 on the App Store from 5,680 ratings.
SourceApp Store listing, checked .
YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.
SourceApp Store listing, checked .

Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.

Weighing a third option? Add up to two more apps and compare up to four side by side.

Screen by screen

Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.

Home

Changed logoChanged

  • Changed App Store image of the Home screen
    App Store marketing imageApp Store image with the headline "Take Control" showing a tilted Home screen with a Changed Balance.App Store listing, as of

YNAB logoYNAB

  • YNAB App Store image of a tilted phone showing the Home screen
    App Store marketing imageApp Store image with the headline "Never worry about money again" over a tilted phone showing the YNAB Home screen with new transactions, Ready to Assign and a Top Priorities list.App Store listing, as of
  • YNAB App Store image of the Home screen with a lesson card
    App Store marketing imageApp Store image with the headline "Learn to be good at money" showing the Home screen with a For You section and a YNAB Foundations lesson card.App Store listing, as of
  • YNAB Home screen with a For You lesson card
    App Store marketing imageThe Home screen: a September row, a "How to get a month ahead" link, a For You lesson card and a Connect With Our Team button.App Store listing, as of
  • YNAB Pinned categories card
    From YNAB's help centerA Pinned section on the Home screen listing Groceries, Personal Care and Time With Friends with available amounts.support.ynab.com, as of
  • YNAB January Summary card with four tiles
    From YNAB's help centerA January Summary card with Total Targets, Underfunded, Assigned and Spent tiles.support.ynab.com, as of

Accounts

Changed logoChanged

  • Changed tilted Accounts screen with round-ups
    App Store marketing imageA tilted iPad Accounts screen with Roundups This Month +$38.39, a Bank of America account card, a Savings tab and a Lyft round-up row.App Store listing, as of

YNAB logoYNAB

No official screen found yet

Transactions

Changed logoChanged

  • Changed Payments screen on iPad
    App Store marketing imageThe iPad Payments screen: projected savings of $5,062 with a With Changed and Without Changed chart, Overview and loan type tabs, and payments of $50 and $100 with interest saved of $47 and $53.App Store listing, as of
  • Changed payment list with interest saved
    App Store marketing imagePayment rows: Amount $50 with $47 interest saved and Amount $100 with $53 interest saved.App Store listing, as of

YNAB logoYNAB

  • YNAB Split Transaction screen on iPhone
    From YNAB's help centerAn iPhone Split Transaction screen for a -$100.00 Grocery Store purchase split between Groceries and a transfer to Cash.support.ynab.com, as of
  • YNAB web account register with a split transaction
    From YNAB's help centerThe web account register for Checking with a split transaction open across several category rows.support.ynab.com, as of

Budget

Changed logoChanged

No official screen found yet

YNAB logoYNAB

  • YNAB App Store image of the Edit Plan screen on a tilted phone
    App Store marketing imageApp Store image with the headline "Find your Cost to Be Me" over a tilted phone showing an Edit Plan screen with a $4,000.00 Cost to Be Me total and July's targets.App Store listing, as of
  • YNAB App Store image of the monthly plan screen
    App Store marketing imageApp Store image with the headline "Make a plan for your spending" showing the August 2025 plan with Ready to Assign at the top and categories grouped under Credit Card Payments and Living Expenses.App Store listing, as of
  • YNAB plan screen with category rows and progress bars
    App Store marketing imageThe plan screen from that image: a green Ready to Assign bar, then category rows with amounts and progress bars.App Store listing, as of
  • YNAB App Store image of the Cover Overspending sheet
    App Store marketing imageApp Store image with the headline "Cover unexpected costs easily" showing a Cover Overspending sheet for a -$300.00 Car Repair, with categories to move money from.App Store listing, as of
  • YNAB Cover Overspending sheet with a category list
    App Store marketing imageThe Cover Overspending sheet: the overspent Car Repair category on top and a searchable list of categories with available amounts below.App Store listing, as of
  • YNAB Google Play image of the Android plan screen
    Google Play marketing imageGoogle Play image with the headline "Make a plan for your spending" showing the Android plan screen with Ready to Assign and category rows.Google Play listing, as of
  • YNAB web plan with a category target panel
    From YNAB's help centerThe web plan with category groups and a side panel for one category showing its target and the amount needed this month.support.ynab.com, as of
  • YNAB category list with available amounts and progress bars
    App Store marketing imageCategory rows such as Mortgage, Household Items, Groceries and Dining Out, each with an available amount and a status line like Funded or Fully Spent.App Store listing, as of
  • YNAB Ready to Assign bar showing $1,000.00
    App Store marketing imageThe green bar at the top of the plan reading $1,000.00 Ready to Assign.App Store listing, as of
  • YNAB overspent Groceries row
    From YNAB's help centerA web plan row for Groceries marked Overspent, with a red available amount of -$100.00.support.ynab.com, as of

Goals

Changed logoChanged

  • Changed App Store image of the Payoff screen
    App Store marketing imageApp Store image with the headline "Payoff Credit Cards & Track Your Debt" showing the Payoff screen with a Changed Balance and a credit card progress graphic.App Store listing, as of
  • Changed App Store image of Stash My Cash
    App Store marketing imageApp Store image with the headline "Stash Your Cash" showing a Stash My Cash screen saving for a Rainy Day Fund.App Store listing, as of
  • Changed Payoff screen
    App Store marketing imageThe top of the Payoff screen: Changed Balance $28.39, a Credit Card label and a squirrel-shaped progress graphic marked $50, $40 and $30.App Store listing, as of
  • Changed Stash My Cash savings screen
    App Store marketing imageThe top of the Stash My Cash screen: Stash Balance $50.00, "You're saving $100 for Rainy Day Fund" and a progress graphic at 75%.App Store listing, as of
  • Changed Payoff screen on iPad
    App Store marketing imageThe iPad Payoff screen: Changed Balance $28.39, Credit Card, a squirrel progress graphic from $30 to $50 and a Current Credit Card Balance row.App Store listing, as of

YNAB logoYNAB

  • YNAB App Store image of a category target screen
    App Store marketing imageApp Store image with the headline "Fund goals to make more memories" showing a Hawaii Vacation category with its balance and a "You've met your target!" message.App Store listing, as of
  • YNAB Hawaii Vacation category screen with a met target
    App Store marketing imageThe Hawaii Vacation category screen: balance breakdown for the month and a target card with a check mark.App Store listing, as of
  • YNAB Google Play image of a Current Goal ring on Android
    Google Play marketing imageGoogle Play image with the headline "Fund goals to make more memories" showing the Android Home screen with a Current Goal ring at 100% Complete for Hawaii Vacation.Google Play listing, as of
  • YNAB category balance card with four rows
    App Store marketing imageA balance card listing From Jul, Assigned for Aug, Activity in Aug and Available amounts.App Store listing, as of
  • YNAB target card and Move To sheet
    From YNAB's help centerA help-center graphic pairing a target card at 91% with a Move To sheet that assigns $1,830.00 to Rent.support.ynab.com, as of
  • YNAB Current Goal cards
    From YNAB's help centerTwo Current Goal cards: an empty one asking "What are you saving for?" and one for Sisters Trip 2026 at 46% complete.support.ynab.com, as of

Reports and insights

Changed logoChanged

  • Changed projected savings chart
    App Store marketing imageThe top of the Payments screen: a With Changed and Without Changed chart, projected savings on all linked debt of $5,062 and a 1 year sooner payoff note.App Store listing, as of
  • Changed credit score gauge
    App Store marketing imageThe top of Your Credit Score: a gauge reading 720, Good, down 2 pts.App Store listing, as of

YNAB logoYNAB

  • YNAB App Store image of the Reflect screen
    App Store marketing imageApp Store image with the headline "See spending trends over time" showing the Reflect screen with an Income vs. Spending bar chart and a Net Worth card.App Store listing, as of
  • YNAB Reflect screen with charts
    App Store marketing imageThe Reflect screen in dark mode with an Income vs. Spending chart by month and a Net Worth card below it.App Store listing, as of
  • YNAB Google Play image of the Android Reflect screen
    Google Play marketing imageGoogle Play image with the headline "See spending trends over time" showing the Android Reflect screen with an Income vs. Spending chart.Google Play listing, as of
  • YNAB Income vs. Spending bar chart
    App Store marketing imageAn Income vs. Spending card with paired monthly bars from January to June and the line "On average, you're spending less than you make."App Store listing, as of

Bills and recurring

Changed logoChanged

No official screen found yet

YNAB logoYNAB

  • YNAB web plan showing an upcoming scheduled transaction
    From YNAB's help centerThe web plan with a Subscription category selected and a side panel showing an upcoming scheduled transaction and the balance after it.support.ynab.com, as of

Sharing with a partner

Changed logoChanged

No official screen found yet

YNAB logoYNAB

  • YNAB App Store image of the YNAB Together screen
    App Store marketing imageApp Store image with the headline "Share access with loved ones" showing a YNAB Together screen with a Group Manager and a list of members.App Store listing, as of
  • YNAB Together screen with group manager and members
    App Store marketing imageThe YNAB Together screen: an illustration, a line about plan sharing options for each member, then Group Manager and Members sections.App Store listing, as of
  • YNAB Google Play image of the Android Together screen
    Google Play marketing imageGoogle Play image with the headline "Share access with loved ones" showing the Android Together screen with a Group Manager and Members.Google Play listing, as of
  • YNAB invite and Create Account screens for YNAB Together
    From YNAB's help centerTwo iPhone screens from the help center: an invite to join a YNAB Together group, and the Create Account screen that follows.support.ynab.com, as of
  • YNAB Together member list
    App Store marketing imageThe Group Manager row and the Members list, each person shown with a name, email and an arrow.App Store listing, as of
  • YNAB Recent Moves panel showing who moved money
    From YNAB's help centerThe web plan with a Recent Moves panel filtered to Everyone, showing which member assigned $199.21 to a category.support.ynab.com, as of

Other screens

Changed logoChanged

  • Changed App Store image with a tilted phone
    App Store marketing imageApp Store image with the headline "Effortlessly Pay Off Debt, Save Money, and More!" showing a tilted phone and an illustrated person on a couch.App Store listing, as of

YNAB logoYNAB

  • YNAB App Store image of a Siri result card for Groceries
    App Store marketing imageApp Store image with the headline "Ask Siri to check your plan on the go" showing a Siri result card that reads $232.09 available in Groceries.App Store listing, as of

Who it's for

Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.

Just me

Budgeting on your own? These are the basics people ask about first.

  • Is it free?

    Changed: Changed's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month.

    Sourcegochanged.com/changed-plans, checked .

    YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

    Sourceynab.com/pricing, checked .

  • Does it connect to my bank and import transactions?

    Changed: Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.

    Sourcegochanged.com/how-it-works, checked .

    YNAB: Yes. YNAB lets you connect your accounts and import transactions.

    Sourceynab.com/pricing, checked .

  • Is there support from the app's makers if I need help?

    Changed: Yes. Message form and help center.

    SourceIn their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.” gochanged.com/support, checked .

    YNAB: Yes. Chatbot with human handoff and email.

    SourceIn their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .

Family

Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.

  • Does it have accounts or features for kids or teens?

    Changed: No.

    SourceIn their words: “REPRESENT THAT YOU ARE EIGHTEEN (18) YEARS OF AGE OR OLDER” gochanged.com/terms-of-use, checked .

    YNAB: Yes. It has accounts or features for kids or teens.

    SourceIn their words: “As Group Manager, sharing your plan is optional, but you can access plans created by members-ideal for teaching teens about money!” ynab.com/features/subscription-sharing, checked .

Freelancer

Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).

Business

Running a small business? Here's what each app says about business money.

A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.

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

    YNAB lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.

    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

    Both Changed and YNAB list 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 Changed 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 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 Changed cost?

Changed's plans page lists Basic at $6 a month, Plus at $9 a month and Premium at $15 a month. We checked this on Nov 3, 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 Nov 3, 2026.

Which is cheaper, Changed or YNAB?

The lowest monthly price Changed lists is $6 a month, and the lowest YNAB lists is $14.99 a month, so Changed lists the lower monthly price. We checked both on Nov 3, 2026, and plans change, so check both pricing pages before you decide.

What is Changed's app store rating?

Changed has 4.6 out of 5 on the App Store from 5,680 ratings. That's a snapshot from the store listing on Nov 3, 2026, not our score.

More comparisons

Keep comparing

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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

Sources and confidence

Last checked
Sourced facts
13 facts, each linked and dated
Changed7 sourced facts, last checked Nov 3, 2026
YNAB6 sourced facts, last checked Nov 3, 2026

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.

This is education, not financial advice.