Kettle Money
Kettle Money
Kettle Money vs YNAB
checked 27 September 2026
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- Kettle Money vs YNAB
Kettle Money or YNAB?
YNAB: zero-based budgeting on iPhone, Android and the web.
Kettle Money: decide the next cost together, before it happens.
Kettle Money vs YNAB · checked 27 September 2026
In short
Found only for YNAB3
- Automatic bank connections
- Android
- Web app
Found only for Kettle Money6
- Another adult says yes or no before the money is spent
- Hours and who does what, planned with the money
- Which shop is cheaper, from your own receipts
- Ask about your own money in plain words
- More than one currency
- No sign-up with the developer
Kettle Money and YNAB, side by side
| Feature | Kettle Money | YNAB |
|---|---|---|
| Deciding together | ||
| One subscription covers the adults in the household | YesShared through iCloud during confirmed coverage | ListedUp to six people |
| Another adult says yes or no before the money is spent | YesYes, Suggest a change or No | Not found |
| Hours and who does what, planned with the money | YesCalendar clashes shown before you agree | Not found |
| Money | ||
| What's safe to spend until the next payday | YesOne figure, to the tightest day | PartlyUpcoming scheduled payments |
| Budgets by category | YesA month plan with an allowance per bucket | ListedZero-based |
| Savings goals | YesSaving pots, taken out of safe to spend first | Listed |
| A plan to pay off debt | YesLowest balance or highest interest first; projected payoff date | ListedLoan Planner |
| Bills and recurring payments | YesLetters and invoices read with their due dates | Listed |
| Reads a receipt from a photo | YesRead on your iPhone | PartlyAttach a photo |
| Which shop is cheaper, from your own receipts | YesPrices from the receipts you review, shop by shop | Not found |
| Ask about your own money in plain words | YesAnswered on your iPhone | Not found |
| More than one currency | YesForeign amounts convert at a dated rate | NoOne per plan (stated) |
| Your accounts | ||
| Works fully without a bank connection | YesType it, or import CSV or OFX | Listed |
| Automatic bank connections | Not yetIn preparation: Apple Wallet and European banks, read-only | ListedUS, Canada, UK and 18 European countries (select banks) |
| Export your data | YesJSON, CSV and the source files | ListedCSV, on the web |
| No sign-up with the developer | YesUses your own iCloud | NoOwn login per person |
| Where you can use it | ||
| In the German App Store | Yes | Listed |
| App languages | 8 | 1 (English) |
| Apple Watch | Yes | Listed |
| Android | No | Listed |
| Web app | No | Listed |
| Privacy and cost | ||
| Advertising | No | No |
| Tracking: developer/store declaration | None | None |
| How it's paid for | Free for 21 days from the household’s start, or until a plan has been applied and a plan settled. No automatic subscription. Essentials stay free; optional monthly or yearly membership. | 34-day trial via its website; App Store offer may differ, then subscription |
✓ Listed by the developer◐ Partly, as noted— Not found in their listings (the app may still offer it)✕ No: the developer says not, or it isn’t available
Kettle Money’s column describes version 1.0; bank connections are still in preparation. Some features need membership after the free period. Other apps’ store details are their developers’ declarations, checked on the date shown.
Switching from YNAB
Export your plan from YNAB’s web app as CSV, then import it in Kettle Money under Money → Switch from another app. Kettle Money recognises YNAB’s export and sorts your spending into its buckets.
How we checked, and the sources
How did you check the other apps?
On 27 September 2026 we reviewed each app’s US and German App Store listings, website, pricing page and help centre. For other apps, ✓ means the developer lists the feature; a dash means we didn’t find it in those sources, although the app may still offer it. A ✕ means the developer says no, or the app isn’t available there. Kettle Money’s entries describe version 1.0 as published on the App Store. On 5 October 2026 we rechecked the details most likely to change: App Store languages, Apple Watch and German availability, privacy labels and advertising, free trials and payment models, partner sharing and bank coverage. We compare payment models, without ratings or exact prices, which can change. If you find an outdated detail, write to hello@mamabloom.app so we can check and correct it.
YNAB, Monarch, Copilot, Honeydue and Goodbudget are trademarks of their respective owners and are named here only to identify the apps compared. Kettle Money isn’t affiliated with or endorsed by any of them.