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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

PocketGuard

★ 4.00
View Details →

YNAB (You Need A Budget)

★ 4.70
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Subscription
Price Details Free basic plan with limited features; PocketGuard Plus costs $12.99/month or $74.99/year. Lifetime access offered selectively, pricing varies. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price $12.99 $15.00
Annual Price $74.99
Save $80.89/year
$109.00
Save $71.00/year
Founded 2015 2004
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Automatic bank account syncing
Bank account syncing via Plaid/TrueLayer
Bill and income automation
Cash account management
Category-based budgeting
Custom savings goals
Customizable budget categories
Goal setting for savings and debt
Loan calculator for debt management
Manual transaction entry option
Real-time syncing across devices
Receipt tracking (Plus only)
Recurring payment tracking
Shared budgeting for up to six users
Spending alerts
Spending and net worth reports
Target setting for irregular expenses
Transaction export to CSV
Unlimited accounts (Plus only)
Zero-based budgeting
Pros & Cons
Pros
  • + Slick interface that’s easy to navigate
  • + Real-time spending alerts keep you in check
  • + Automatic bill and income tracking
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • Plus subscription is pricey for what you get
  • Free plan feels like a teaser with limited features
  • No desktop app, just web and mobile
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy

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Quick Summary

PocketGuard

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features