Editor's Overview:
- The Winner: WalletHub
- WalletHub and Honeydue offer free plans that allow you to make a budget, track your spending, and get bill reminders. YNAB does not offer a free plan.
- WalletHub and YNAB offer debt payoff plans that can help you find the fastest and cheapest way out of debt. Honeydue does not have this feature.
- WalletHub is the only app among the three that has a subscription manager feature that allows you to track all your subscriptions in one place, even the ones you have forgotten about.
- WalletHub lets users make a budget with multiple different strategies/templates. You can only make a budget one way with YNAB and Honeydue.
- WalletHub offers the most non-budgeting features, like access to your credit score and report, credit monitoring, identity monitoring, a credit score simulator, your auto insurance score and your WalletScore.
Honeydue vs. YNAB vs. WalletHub: Key Characteristics
| Characteristics | Honeydue | YNAB | WalletHub |
| Average App Rating | 4.4 / 5 | 4.8 / 5 | 4.8 / 5 |
| Free Plan Available | Yes | No | Yes |
| Premium Plan Cost | Not offered | $14.99 per month or $109 per year | $47.90 for the first year, $95.90 after that |
| Automatic Bank Sync | Yes (included in free plan) | Yes | Yes |
| Debt Payoff Plan | No | Yes | Yes (included in free plan) |
| Subscription Manager | No | No | Yes |
| Account Sharing | Yes | Yes | Yes |
| Number of Budgeting Templates | 1 | 1 | 5 |
| Customer Support | Email & in-app messaging | Email (priority support with premium) | |
| Access to Credit Scores & Reports | No | No | Yes |
Learn more about the key features from these three apps below. We will also show you which app wins in each category.
Honeydue vs. YNAB vs. WalletHub: Cost
Winner: WalletHub
| Company | Honeydue | YNAB | WalletHub |
| Free Plan Available | Yes | No | Yes |
| Monthly Premium Plan Cost | Not offered | $14.99 per month | Not offered |
| Yearly Premium Plan Cost | Not offered | $109 per year | $47.90 for the first year, $95.90 after that |
Free Account
Both WalletHub and Honeydue offer a free plan, unlike YNAB. WalletHub’s free account lets you do things like make a budget using your choice of budgeting methods, create debt payoff plans, track your net worth and set up transaction alerts. Honeydue’s free account allows you to sync your financial accounts for automatic tracking, create a budget, set payment reminders, and share your account with your spouse or partner.
Premium Account
If you want more advanced budgeting features, you may want to consider a paid subscription. WalletHub’s premium plan costs much less than YNAB’s subscription, starting at just $47.90 for the first year and renewing at $95.90 afterward. YNAB’s subscription costs $109 per year, and Honeydue does not offer a premium plan with advanced budgeting features.
WalletHub’s premium membership lets you sync your financial accounts for automatic tracking, share your account with up to five other people and track your subscriptions in one place, among many other things.
WalletHub takes the lead in this category with the number of budgeting features included in its free plan and the low price of its premium subscription.
Honeydue vs. YNAB vs. WalletHub: Automatic Bank Sync
Winner: WalletHub
| Company | Honeydue | YNAB | WalletHub |
| Types of Accounts to Link | 1. Bank accounts 2. Credit cards 3. Loans 4. Investments |
1. Bank accounts 2. Credit cards |
1. Bank accounts 2. Credit cards 3. Loans 4. Investments |
| Accounts Loaded From Credit Report | No | No | Yes |
| Countries Accepted | U.S., Canadian, and some European accounts | U.S. and European accounts | U.S. accounts only |
All three apps allow you to sync your bank accounts and credit cards to have your expenses automatically tracked. WalletHub and Honeydue also allow you to sync your investments and loans. However, WalletHub wins this category since it is the only app here that will automatically load accounts from your credit report into your budget, preventing you from having to manually enter all the details for your accounts.
Honeydue vs. YNAB vs. WalletHub: Debt Payoff Plans
Winner: WalletHub
| Company | Honeydue | YNAB | WalletHub |
| Debt Payoff Tool | Not offered | Loan planner | Debt payoff plan |
| Available for Free | N/A | No | Yes |
WalletHub and YNAB both offer debt payoff plans, unlike Honeydue. Debt payoff plans help you find the cheapest way to get rid of your debt. WalletHub takes the lead here because you can access WalletHub’s debt payoff plans with a free account. You will have to pay for a YNAB subscription to access their debt payoff feature.
Honeydue vs. YNAB vs. WalletHub: Account Sharing
Winner: WalletHub & YNAB
| Company | Honeydue | YNAB | WalletHub |
| Number of Authorized Users | 2 | 6 | 6 |
| Separate Logins | Yes | Yes | Yes |
| Available for Free | Yes | No | No |
All three apps let you share your account with others, allowing you to give people with whom you share your finances easy access to the budget. While Honeydue lets you share an account with just one other person, WalletHub and YNAB tie in this category since both let you share your account with up to five other people.
Honeydue vs. YNAB vs. WalletHub: Budgeting Templates
Winner: WalletHub
| Company | Honeydue | YNAB | WalletHub |
| Number of Budgeting Templates | 1 | 1 | 5 |
While Honeydue and YNAB make you budget one particular way, WalletHub offers five different ways to create a budget. WalletHub users can create a budget using their total income and expenses only or build a budget based on the 50/30/20 rule, the pay-yourself-first strategy, envelope budgeting, or micro-envelope budgeting.
This gives you more control over how you organize your finances and allows you to build the budget that works best for your financial situation. That is why WalletHub leads in this category.
Honeydue vs. YNAB vs. WalletHub: Customer Support
Winner: YNAB
| Company | Honeydue | YNAB | WalletHub |
| Customer Support | Email & in-app messaging | Email (priority support with premium) | |
| [email protected] | [email protected] | [email protected] |
All three apps offer email support. YNAB has a slight edge, though, since it also offers in-app messaging. Plus, YNAB gives users access to online workshops where they can ask experts questions about using the app. WalletHub comes in a close second, as it offers premium users priority support, providing them with personalized assistance to quickly resolve any issues.
Honeydue vs. YNAB vs. WalletHub: Non-Budgeting Features
Winner: WalletHub
| Company | Honeydue | YNAB | WalletHub |
| Access to Credit Scores & Reports | No | No | Yes |
| Credit Analysis | No | No | Yes |
| Credit Monitoring | No | No | Yes |
| Identity Monitoring | No | No | Yes |
| Identity Theft Insurance | No | No | Yes |
| Access to Auto Insurance Score | No | No | Yes |
| Recommendations on Financial Products | No | No | Yes |
| Credit Score Simulator | No | No | Yes |
| Net Worth Tracking | No | Yes | Yes |
| Real Estate Values | No | No | Yes |
| Sync Vehicle Values | No | No | No |
WalletHub offers the most non-budgeting features, including daily updates to your credit score and report, personalized credit analysis and credit improvement plans, credit and identity monitoring services, recommendations for financial products like credit cards and loans, and much more. This is why WalletHub wins this category.
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