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PocketSmith vs YNAB: catalog facts
PocketSmith	YNAB
Freemium Offered on several plans; see the Plans and Pricing page for current tiers.	Paid Paid subscription with a free trial that needs no credit card.
Web	Android, iOS, Web
Forecasts future balances from planned income and spending Connects multiple bank accounts	Clear zero-based budgeting method Free trial without a credit card
Financial data is held by a cloud service Plan details are not listed on the homepage	Subscription required after the trial Method takes active effort to keep up
Web application, Hosted service	Downloadable app, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.