Rocket Money vs YNAB

Rocket Money is a personal-finance service for monitoring subscriptions, bills, spending, budgets and net worth. It runs on the web, iOS and Android, with mobile apps, account syncing and report export. Budgeting tools, bill tracking and net-worth tracking are listed capabilities. The free plan costs nothing and includes subscription tracking, upcoming bill tracking, basic budgeting, and spending tracking with categorization. A 7-day trial is listed, and the pricing model is freemium. Premium+ includes Premium features and Rowan, an AI-powered financial assistant; its price is also not listed. Rocket Money, founded in 2015 and headquartered in Silver Spring, Maryland, makes the service.

YNAB is a budgeting service for web, Android, and iOS, with an API. Its method asks users to assign each dollar a purpose, supported by budgeting tools, bill tracking, net-worth reports, savings targets, and an integrated loan calculator. Users can link accounts to import transactions automatically from select banks in the US, Canada, UK, and EU; file-based import is available outside those areas. Balances, priorities, goals, and transactions sync across devices in real time. A spending plan can use a selected currency, but cannot mix currencies. YNAB offers a 34-day trial without a credit card when signing up directly, and does not charge unless users subscribe afterward. The annual plan costs $109 USD paid annually, or $9.08 per month before applicable tax; monthly billing costs $14.99 a month before applicable tax. College students with proof of enrollment can get a 365-day trial, and one subscription can be shared with up to six people. YNAB says it does not sell user data and keeps the app ad-free.