Cents for YNAB vs Lumy for YNAB Usage & Stats
Cents for YNAB is a companion app to the You Need A Budget platform. Cents enables you to quickly analyze your budgets and spending habits in order to help you save more money. Cents will tell you how much money you have left per day of the month, which payees you've spent the most money on in each category, and which transactions have caused you the most trouble. It will indicate by color the health of each of your categories and warn you when you're getting close to going over budget.
Cents also provides several analytical charts to help you visualize where your money is going. And it also comes with a Today extension, so you can quickly view your budgets without even opening the app.
- Apple App Store
- Free
- Finance
Store Rank
- -
Lumy for YNAB is the #1 companion app to the You Need A Budget (YNAB) app. If you are searching for an app with beautiful charts, reports, and metrics that help you better visualize your spending habits, look no further!
Lumy for YNAB works by linking to your YNAB budget and using the data returned by YNAB's public API (fancy-talk for "a way to talk to YNAB's servers") to create amazing charts and nerdy reports. Here are just a few things Lumy for YNAB offers:
Charts, charts, charts!
- Daily Net Income--How much money are you earning on a daily basis?
- Days of Buffer--How many days of spending would your budget support if you no longer had income?
- Net Worth--When considering your assets and liabilities, how much money do you have?
- Income v. Expense--Visualize your spending against your income. Are you making more than you're spending?
- Spend by Category--Which categories are you spending the most in?
- Spend by Day of Week--What days make you feel extra spendy?
- Spend by Payee--Who are you giving all your money to?
Spend Trackers: Track spending by category (or category group), payee, memo keyword, flag color, or even a combination of these. See net spend, weekly spending, monthly spending, percentage of income spent, and more!
Frugal Months: Want a challenge? Push yourself to spend less than the limit you set in a given month. Notifications help you stay updated and on track all month.
Lumy for YNAB takes your YNAB experience to the next level. Trust us, you've never YNAB'd like this before.
Resources:
Privacy policy: https://lumyforynab.app/privacy
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
- Apple App Store
- Free
- Finance
Store Rank
- -
Cents for YNAB VS. 
Lumy for YNABJanuary 18, 2026