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Winner – Depends whether you want a short or longer-term budget.
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For each expense category you can decide the start and end date and regularity. This makes you consider whether you want a short or long timeline for your budget. Pocketsmith set up is more involved as you set up many months (or years) from the start. There is a quick budget offering which enables you to replicate the previous month’s budget expense categories. When that month runs out all your expense categories are there and ready to use in the same order for the next month. YNAB is simpler to set up because you only set up a month at a time. Both are powerful budgeting apps and this article compares the two to help you decide. Which of these is right for you depends on whether you are looking for inspiration or a kick-ass functional spec. This shows itself in Pocketsmith’s efforts to involve users in its pipeline of development work by publishing it on Trello. In contrast, Pocketsmith puts the digital solution and functionality first. This shows itself in YNAB’s continuous efforts to communicate its fundamental beliefs about the power of budgeting. YNAB offers education and motivation as well as a digital solution. The two contenders are YNAB (You Need A Budget) and Pocketsmith. Today, we are comparing two of the more established and popular subscription-based budgeting tools to help you get started and to help you take control of your finances. There are many apps and services out there designed to help you to get a handle on your finances.