Budgeting comparison
PocketGuard vs YNAB
Updated
Data as of
PocketGuard checked YNAB checked
I earn commissions from some links.
PocketGuard
Budgeting app
Visit site for PocketGuard (opens in a new tab)
YNAB
Budgeting app
Visit site for YNAB (opens in a new tab)
Short answer
- Pick PocketGuard if you want the lower yearly price ($74.99, compared with $109).
- Pick YNAB if you want a longer free trial (34 days, compared with 7), a separate login for your partner, or shared and individual views.
- The biggest difference is the free trial: YNAB lists 34 days, and PocketGuard lists 7.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
PocketGuard vs YNAB at a glance
- PocketGuard
- Price
- $12.99a month
- Free trial
- 7 days
- Rating
- 4.6 of 5App Store, 7,683 ratings
- Platforms
- 4Web, iOS, Apple Watch, Android
- YNAB
- Price
- $14.99a month
- Free trial
- 34 days
- Rating
- 4.8 of 5App Store, 62,068 ratings
- Platforms
- 5Web, iPhone, Android, iPad, Apple Watch
What it costs
- PocketGuardLower price
$12.99a month
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
$74.99 a year at the yearly list price, or $224.97 over 3 years, before tax.
Source
pocketguard.com/pricing, checked . - YNAB
$14.99a month
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
$109 a year at the yearly list price, or $327 over 3 years, before tax.
Source
ynab.com/pricing, checked .
Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | PocketGuard | YNAB |
|---|---|---|
| Savings goals | Yes | Yes |
| Shared budgets | Shared login: you both sign in to the same account | Yes |
| Investment tracking | Yes | Yes |
| Data export | Yes | Yes |
PocketGuard also lists AI features. YNAB also lists API or MCP access.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it. Shared login means you both sign in to the same account, with no separate partner login.
- PocketGuard: pocketguard.com/pricing, checked Nov 3, 2026.Shared budgets: Shared login only: you and your partner sign in with the same login. There is no separate partner login. pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, checked Nov 3, 2026.Investment tracking: Net worth tracker syncs investment balances and holdings. pocketguard.com/net-worth, checked Nov 3, 2026.
- YNAB: ynab.com/pricing, checked Nov 3, 2026.Investment tracking: Manual tracking accounts for investment balances in Net Worth; investment accounts don't import transactions. support.ynab.com/en_us/tracking-investment-accounts-a-guide-r1Bzjxd05, checked Nov 3, 2026.Data export: CSV or TSV export of your plan and transactions, on the web. support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked Nov 3, 2026.API or MCP: Official YNAB API (api.ynab.com: personal access tokens and OAuth apps) and a Zapier integration. No MCP stated. ynab.com/our-app-lineup, checked Nov 3, 2026.
PocketGuard and YNAB, side by side
| Detail | PocketGuard | YNAB |
|---|---|---|
| Free trialDiffers | PocketGuardPocketGuard offers a 7-day free trial. Sourcepocketguard.com/pricing, checked . | YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB. Sourceynab.com/pricing, checked . |
| PlatformsDiffers | PocketGuardPocketGuard lists Web, iOS, Apple Watch and Android. Sourcepocketguard.com, checked . | YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch. Sourceynab.com/our-app-lineup, checked . |
| Bank syncingDiffers | PocketGuardYes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge. Sourcepocketguard.com, checked . | YNABYes. YNAB lets you connect your accounts and import transactions. Sourceynab.com/pricing, checked . |
| App store ratingDiffers | PocketGuardPocketGuard has 4.6 out of 5 on the App Store from 7,683 ratings. SourceApp Store listing, checked . | YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
PocketGuard
No official screen found yet
YNAB
App Store marketing imageApp Store image with the headline "Never worry about money again" over a tilted phone showing the YNAB Home screen with new transactions, Ready to Assign and a Top Priorities list.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Learn to be good at money" showing the Home screen with a For You section and a YNAB Foundations lesson card.App Store listing, as of 
App Store marketing imageThe Home screen: a September row, a "How to get a month ahead" link, a For You lesson card and a Connect With Our Team button.App Store listing, as of 
From YNAB's help centerA Pinned section on the Home screen listing Groceries, Personal Care and Time With Friends with available amounts.support.ynab.com, as of 
From YNAB's help centerA January Summary card with Total Targets, Underfunded, Assigned and Spent tiles.support.ynab.com, as of
Accounts
PocketGuard
App Store marketing imageApp Store image with a tilted phone showing account balances and press logos with a user quote.App Store listing, as of
YNAB
No official screen found yet
Transactions
PocketGuard
No official screen found yet
YNAB
From YNAB's help centerAn iPhone Split Transaction screen for a -$100.00 Grocery Store purchase split between Groceries and a transfer to Cash.support.ynab.com, as of 
From YNAB's help centerThe web account register for Checking with a split transaction open across several category rows.support.ynab.com, as of
Budget
PocketGuard
App Store marketing imageApp Store image with the headline "Budget App to control your finances" showing estimated income and Regular payments.App Store listing, as of 
App Store marketing imageA plan screen with Estimated income and a Regular payments section listing bills with dates and amounts.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Tracking App to analyze expenses" showing a Spending & Budgets screen.App Store listing, as of 
App Store marketing imageA Spending & Budgets screen with category budgets and amounts left to spend.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Budget Planner to forecast a surplus" showing a Leftover of $2,965.App Store listing, as of 
App Store marketing imageA Leftover card showing $2,965.App Store listing, as of
YNAB
App Store marketing imageApp Store image with the headline "Find your Cost to Be Me" over a tilted phone showing an Edit Plan screen with a $4,000.00 Cost to Be Me total and July's targets.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Make a plan for your spending" showing the August 2025 plan with Ready to Assign at the top and categories grouped under Credit Card Payments and Living Expenses.App Store listing, as of 
App Store marketing imageThe plan screen from that image: a green Ready to Assign bar, then category rows with amounts and progress bars.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Cover unexpected costs easily" showing a Cover Overspending sheet for a -$300.00 Car Repair, with categories to move money from.App Store listing, as of 
App Store marketing imageThe Cover Overspending sheet: the overspent Car Repair category on top and a searchable list of categories with available amounts below.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Make a plan for your spending" showing the Android plan screen with Ready to Assign and category rows.Google Play listing, as of 
From YNAB's help centerThe web plan with category groups and a side panel for one category showing its target and the amount needed this month.support.ynab.com, as of 
App Store marketing imageCategory rows such as Mortgage, Household Items, Groceries and Dining Out, each with an available amount and a status line like Funded or Fully Spent.App Store listing, as of 
App Store marketing imageThe green bar at the top of the plan reading $1,000.00 Ready to Assign.App Store listing, as of 
From YNAB's help centerA web plan row for Groceries marked Overspent, with a red available amount of -$100.00.support.ynab.com, as of
Goals
PocketGuard
Google Play marketing imageGoogle Play image with the headline "Reach Goals" showing a Goals screen with New car, House and Vacation goals.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Debt Payoff" showing a debt payoff plan with Avalanche strategy and a debt free date.Google Play listing, as of
YNAB
App Store marketing imageApp Store image with the headline "Fund goals to make more memories" showing a Hawaii Vacation category with its balance and a "You've met your target!" message.App Store listing, as of 
App Store marketing imageThe Hawaii Vacation category screen: balance breakdown for the month and a target card with a check mark.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Fund goals to make more memories" showing the Android Home screen with a Current Goal ring at 100% Complete for Hawaii Vacation.Google Play listing, as of 
App Store marketing imageA balance card listing From Jul, Assigned for Aug, Activity in Aug and Available amounts.App Store listing, as of 
From YNAB's help centerA help-center graphic pairing a target card at 91% with a Move To sheet that assigns $1,830.00 to Rent.support.ynab.com, as of 
From YNAB's help centerTwo Current Goal cards: an empty one asking "What are you saving for?" and one for Sisters Trip 2026 at 46% complete.support.ynab.com, as of
Reports and insights
PocketGuard
App Store marketing imageApp Store image with the headline "All accounts in One Pocket" over a tilted phone with a spending pie chart for July.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Budget, Goals and Expense Tracker in one pocket" showing a Leftover amount and a trends chart.Google Play listing, as of
YNAB
App Store marketing imageApp Store image with the headline "See spending trends over time" showing the Reflect screen with an Income vs. Spending bar chart and a Net Worth card.App Store listing, as of 
App Store marketing imageThe Reflect screen in dark mode with an Income vs. Spending chart by month and a Net Worth card below it.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "See spending trends over time" showing the Android Reflect screen with an Income vs. Spending chart.Google Play listing, as of 
App Store marketing imageAn Income vs. Spending card with paired monthly bars from January to June and the line "On average, you're spending less than you make."App Store listing, as of
Bills and recurring
PocketGuard
App Store marketing imageApp Store image with the headline "Bill Organizer for recurring bills & subscriptions" showing a Bills screen.App Store listing, as of 
App Store marketing imageA Bills screen with Upcoming and All tabs and bills grouped by month.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Subscription Manager to track and cancel subscriptions" showing a Cancel subscriptions screen.App Store listing, as of 
App Store marketing imageA Cancel subscriptions screen with a search box and a list of services with savings amounts.App Store listing, as of
YNAB
From YNAB's help centerThe web plan with a Subscription category selected and a side panel showing an upcoming scheduled transaction and the balance after it.support.ynab.com, as of
Sharing with a partner
PocketGuard
No official screen found yet
YNAB
App Store marketing imageApp Store image with the headline "Share access with loved ones" showing a YNAB Together screen with a Group Manager and a list of members.App Store listing, as of 
App Store marketing imageThe YNAB Together screen: an illustration, a line about plan sharing options for each member, then Group Manager and Members sections.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Share access with loved ones" showing the Android Together screen with a Group Manager and Members.Google Play listing, as of 
From YNAB's help centerTwo iPhone screens from the help center: an invite to join a YNAB Together group, and the Create Account screen that follows.support.ynab.com, as of 
App Store marketing imageThe Group Manager row and the Members list, each person shown with a name, email and an arrow.App Store listing, as of 
From YNAB's help centerThe web plan with a Recent Moves panel filtered to Everyone, showing which member assigned $199.21 to a category.support.ynab.com, as of
Getting started
PocketGuard
App Store marketing imageApp Store image with the headline "Add bank accounts to simplify budgeting" showing a Connect banks & credit cards screen.App Store listing, as of
YNAB
No official screen found yet
Other screens
PocketGuard
No official screen found yet
YNAB
App Store marketing imageApp Store image with the headline "Ask Siri to check your plan on the go" showing a Siri result card that reads $232.09 available in Groceries.App Store listing, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
PocketGuard: PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
Source
pocketguard.com/pricing, checked .YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
Source
ynab.com/pricing, checked .Does it connect to my bank and import transactions?
PocketGuard: Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.
Source
pocketguard.com, checked .YNAB: Yes. YNAB lets you connect your accounts and import transactions.
Source
ynab.com/pricing, checked .Can I export my data?
PocketGuard: Yes. You can export your data.
Source
In their words: “Import & Export transactions” pocketguard.com/pricing, checked .YNAB: Yes. You can export your data.
Source
In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .Is there support from the app's makers if I need help?
PocketGuard: Yes. Email, AI chat and priority human support (paid plan).
Source
In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.” pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, checked .YNAB: Yes. Chatbot with human handoff and email.
Source
In their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!” support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
PocketGuard: No. Your partner signs in to your same account.
Source
In their words: “You and your spouse can share the same PocketGuard profile together on different devices, you just need to sign in with the same login and password or use the same Google/Apple account (you'd better create a new one instead of using the personal one).” pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, checked .YNAB: Yes. Your partner gets their own login.
Source
In their words: “No need to share a password-invite a close-knit group of up to five people to a YNAB Together group as part of your subscription!” ynab.com/features/subscription-sharing, checked .Can we keep shared and individual views?
PocketGuard: No. You both see the same shared view.
Source
In their words: “At the moment, we don't have the option to switch between family and personal views.” pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, checked .YNAB: Yes. You can keep shared and individual views.
Source
In their words: “Members of your group can create or share unlimited plans. As Group Manager, you decide which of your plans to share with members.” ynab.com/features/subscription-sharing, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
PocketGuard: No.
Source
In their words: “You may not use the Services if you are under 18 years old” pocketguard.com/terms, checked .YNAB: Yes. It has accounts or features for kids or teens.
Source
In their words: “As Group Manager, sharing your plan is optional, but you can access plans created by members-ideal for teaching teens about money!” ynab.com/features/subscription-sharing, checked .
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
PocketGuard: Yes. You can export your data and send the file.
Source
In their words: “Import & Export transactions” pocketguard.com/pricing, checked .YNAB: Yes. You can export your data and send the file.
Source
In their words: “Learn how to export your plan and transactions to a CSV or TSV file in the web version of YNAB.” support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistBoth PocketGuard and YNAB list investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth PocketGuard and YNAB list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth PocketGuard and YNAB list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither PocketGuard nor YNAB feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What YNAB users say
Based on 500 App Store reviews, 35 Reddit posts, 2 YouTube videos and 25 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 562 reviews, posts and videos we read, 134 mention how easy or hard the app is to use.
- Of the 562 reviews, posts and videos we read, 103 mention the price, fees or the subscription.
- Of the 562 reviews, posts and videos we read, 90 mention debt, money stress or feeling in control.
Positive
“There is admittedly a learning curve, but once you learn how YNAB works it is life changing. I finally have ownership over my finances.”
Critical
“I was using YNAB for like 10 years but I got tired of it never syncing properly with Plaid and my bank...”
Critical
“Yeah, I'll probably switch to Actual at some point in the next couple of years as a result of the price change.”
Where these come from
- YNAB reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for YNAB, read Oct 24, 2026. Public search of comments and posts. 72 named the app; we kept 25 where the writer shares their own use of it.
- Reddit search for YNAB, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "YNAB", posts and comments from after Oct 24 2025. It returned 93, most of them about something else. We kept 35 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for YNAB, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "YNAB review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/DrDrCr in r/FPandA on Reddit, Oct 24, 2026.
- u/WBedsmith in r/MonarchMoney on Reddit, Oct 23, 2026.
- u/Veriosity in r/ynab on Reddit, Oct 23, 2026.
- u/InfintiteToast in r/ynab on Reddit, Oct 23, 2026.
- u/tyberrymuch_ in r/ynab on Reddit, Oct 23, 2026.
- u/catit_ in r/ynab on Reddit, Oct 23, 2026.
- u/BurningUpMyLife in r/budgetingforbeginners on Reddit, Oct 23, 2026.
- u/trambalambo in r/FPandA on Reddit, Oct 23, 2026.
- u/MastodonFarm in r/ynab on Reddit, Oct 23, 2026.
- u/big_like_a_pickle in r/ynab on Reddit, Oct 23, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/virtualnumber8 in r/ynab on Reddit, Oct 23, 2026.
- u/elijahjane in r/ynab on Reddit, Oct 23, 2026.
- u/cLWnOe8mmae7WOJi25kk in r/ynab on Reddit, Oct 23, 2026.
- u/DannyOdd in r/ynab on Reddit, Oct 23, 2026.
- u/twentytwo_a in r/ynab on Reddit, Oct 23, 2026.
- u/Wrenchinspokesby in r/ynab on Reddit, Oct 23, 2026.
- u/Electrical-Flan-102 in r/liquidbudget on Reddit, Oct 23, 2026.
- u/Miserable-Expert4101 in r/ynab on Reddit, Oct 23, 2026.
- u/varkeddit in r/ynab on Reddit, Oct 23, 2026.
- u/Rovelocal in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/Chessie37 in r/personalfinance on Reddit, Oct 23, 2026.
- u/InterpASL77 in r/ynab on Reddit, Oct 23, 2026.
- u/CarminSanDiego in r/personalfinance on Reddit, Oct 23, 2026.
- u/SingleUmpire7464 in r/personalfinance on Reddit, Oct 23, 2026.
- u/Critical_Purple_8600 in r/ynab on Reddit, Oct 23, 2026.
- u/Ok_Aioli_8431 in r/zerosumappbudget on Reddit, Oct 23, 2026.
- u/Ok-Independence6375 in r/ynab on Reddit, Oct 23, 2026.
- u/MerelyMisha in r/ExecutiveDysfunction on Reddit, Oct 23, 2026.
- u/Buddy_Kane_the_great in r/ynab on Reddit, Oct 22, 2026.
- u/rlebeau47 in r/ynab on Reddit, Oct 21, 2026.
- u/olive20597 in r/ynab on Reddit, Oct 21, 2026.
- u/Icyhoticycold in r/ynab on Reddit, Oct 21, 2026.
- u/SnooStrawberries4146 in r/ynab on Reddit, Oct 20, 2026.
- "YNAB Review: Is It the Best Budgeting App?" by Rayan-Solutions on YouTube, Oct 4, 2026.
- liamwire on Hacker News, Aug 4, 2026.
- throw0101a on Hacker News, Aug 2, 2026.
- dmix on Hacker News, Aug 1, 2026.
- "Best Budgeting Apps in the U.S.: Mint vs YNAB (Honest Review)" by The Financial Journey on YouTube, May 5, 2026.
- terrabitz on Hacker News, May 1, 2026.
- mpyne on Hacker News, Apr 2, 2026.
- deweller on Hacker News, Mar 17, 2026.
- MattiaHall on Hacker News, Jan 10, 2026.
- x187463 on Hacker News, Jan 8, 2026.
- mpyne on Hacker News, Jan 4, 2026.
- twodave on Hacker News, Jan 2, 2026.
- vladvasiliu on Hacker News, Jan 2, 2026.
- mpyne on Hacker News, Jan 2, 2026.
- 360MustangScope on Hacker News, Jan 2, 2026.
- spiffytech on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- bronco21016 on Hacker News, Jan 2, 2026.
- sxg on Hacker News, Jan 2, 2026.
- x187463 on Hacker News, Jan 2, 2026.
- ajdude on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- huhkerrf on Hacker News, Jan 2, 2026.
- Ronnie76er on Hacker News, Nov 22, 2025.
- kcrwfrd_ on Hacker News, Nov 21, 2025.
- joshstrange on Hacker News, Nov 21, 2025.
FAQ
How much does PocketGuard cost?
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. We checked this on Nov 3, 2026.
How much does YNAB cost?
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable. We checked this on Nov 3, 2026.
Which is cheaper, PocketGuard or YNAB?
The lowest monthly price PocketGuard lists is $12.99 a month, and the lowest YNAB lists is $14.99 a month, so PocketGuard lists the lower monthly price. We checked both on Nov 3, 2026, and plans change, so check both pricing pages before you decide.
Does PocketGuard have a free trial?
PocketGuard offers a 7-day free trial. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- Read our YNAB review.
- See PocketGuard alternatives, closest category first.
- See YNAB alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 12 facts, each linked and dated
PocketGuard6 sourced facts, last checked Nov 3, 2026
- Price and feespocketguard.com/pricing, as of Nov 3, 2026
- Free trialpocketguard.com/pricing, as of Nov 3, 2026
- Platformspocketguard.com, as of Nov 3, 2026
- Bank syncingpocketguard.com, as of Nov 3, 2026
- Featurespocketguard.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
YNAB6 sourced facts, last checked Nov 3, 2026
- Price and feesynab.com/pricing, as of Nov 3, 2026
- Free trialynab.com/pricing, as of Nov 3, 2026
- Platformsynab.com/our-app-lineup, as of Nov 3, 2026
- Bank syncingynab.com/pricing, as of Nov 3, 2026
- Featuresynab.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
