PocketSmith
9.0#2 in personal finance softwareFrom $119.88 a yearFree planAndroidiOSWebAPI
VisitPocketSmith vs YNAB
What both publish
| Fact | PocketSmith | YNAB |
|---|---|---|
| Account sync | both | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Founded | 2008 | 2004 |
| Free plan | Yes | No |
| Headquarters | Dunedin, New Zealand | Lehi, Utah, USA |
| Mobile apps | both | both |
| Net-worth tracking | Yes | Yes |
| Paid from | 9.99 | 9.08 |
| Report export | Yes | Yes |
| Security | Connections are encrypted, stored data is encrypted at rest, passwords use bcrypt hashing, and PocketSmith reports an SSL Labs A+ transport rating as of February 2024. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
PocketSmith plans
- FreeFree
- Foundation$14.95 a month
- Flourish$24.95 a month
- Fortune$39.95 a month
- Foundation$119.88 a year
- Flourish$199.92 a year
YNAB plans
- Monthly Plan$14.99 a month
- Annual Plan$109 a year
- College ProgramFree
- Free TrialFree
Pick PocketSmith if…
It suits people who want to budget, monitor connected accounts and project balances, including users managing finances across currencies. The free plan is aimed at casual budgeters.
Pick YNAB if…
YNAB suits people who want a structured spending plan, savings targets, reports, or help planning debt payments. It may also work for households sharing one subscription, with up to six people supported.