Prism vs YNAB

You can pay bills directly in the Prism app, with the swipe of a finger, in seconds! You no longer need to log in to different websites! The biller is paid directly, so there are no delays, no fees, and no strings attached.

Prism connects with all of your billers and automatically notifies you when it discovers a new bill.

Prism lets you check all of your account balances--checking & savings accounts, credit cards, store cards, gift cards--to help you make your decisions quickly.

Prism supports more billers than any other finance app out there!

Prism is the prettiest finance app you've ever seen. It's also quick, responsive, and simple to use.

And there are no ads.

When you pay in Prism, the biller is paid directly and the very same day. Many bill pay solutions have the money flow through the bill pay service, which leads to timing problems and unnecessary delays.

Prism lets you add your paydays in the app, and it will remind you of when (and how much) you get paid! Juggling cash flow has never been easier!

Add a manual biller if your biller doesn't have an online payment option. Prism will remind you when those bills are due, and you can then mark those bills as paid in the app.

Sync your bills and your money across any number of phones or tablets! Just add your phone number!

Have any questions? Prism Support is built right into the app. You can message Prism Support any time and they'll get back to you within one business day!

They even have an Apple Watch app!

Change the theme of your app to whatever color your heart desires!

The developers are constantly adding new features, new biller support, and listening to their customers and improving the product.

Provides a 4 step method for budgeting money, that really makes budgeting simple and powerful.

YNAB lets you try it's software free for just over a month. This gives you a bit of flexibility when doing a monthly budget - 4 extra days to review your budget and determine whether YNAB helped out enough to justify the $5 price.

If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions.

YNAB regularly offers live workshops on a variety of different topics. These workshops include time for Q&A which is very helpful.

The YNAB team does a great job of offering rapid response times to support requests, listening to user feedback and implementing commonly requested features into the app via frequent updates as well providing live financial workshops on a daily basis at no additional charge. All of these features make the subscription model well worth the cost to me.

I've tried several including Quicken desktop app and I just like the way YNAB works. It is easy to learn and actually works as advertised.

It allows you to move around budget allocations. Sometimes you just need to spend that extra money in one category and take it out of another budget without losing control of the overall budget. It's flexible, clever and understands life.