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