Budgero vs Pledger.io

Budgero is a budgeting app for planning spending, managing accounts in multiple currencies, and budgeting together in a browser. Its zero-based method assigns available money to categories and shows what remains to spend. Accounts can use different currencies while the budget has a chosen currency. Reports include Money Map, spending, wealth, and scenario views. A Cloud workspace supports up to five people, each with an individual sign-in and master password. Sync can be manual; optional bank sync is in beta through user-connected SimpleFIN in the US and Canada or Enable Banking in Europe. Budgero says budget data is encrypted on the device before syncing, so its service cannot read the contents. Users can import YNAB data or transactions by CSV and export a full SQLite backup or CSV bundle. The app is open source under AGPL-3.0 and can be self-hosted for free, with hosting, updates, backups, security, and uptime managed by the user. Budgero Cloud costs $4 a month, tax included. The maker lists Android, API, iOS, Linux, macOS, self-hosted, web, and Windows platforms.

Pledger.io has no write-up on Specifiction yet; its figures are above.