Budgetfold is used in English in New Zealand, Ireland, India, Singapore, South Africa, the Philippines, Kenya, Ghana, Malta, Jamaica and other countries. Choose your currency once and the whole budget follows. The Android app is on Google Play in those countries, and the web app works anywhere.
Free plan: this month's budget, 2 accounts and 100 transactions. On the web Plus is $39 (US dollars) a year; in the Android app Google Play charges in your local currency.
| New Zealand | NZ$ |
| Ireland and Malta | € |
| India | ₹ |
| Singapore | S$ |
| South Africa | R |
| Philippines | ₱ |
| Kenya | KSh |
| Ghana | GH₵ |
| Jamaica | J$ |
Pick the currency in Settings. Amounts with a decimal comma, such as 1.234,56, import correctly.
Your pay goes to the top of the month. You share it out between rent, food, transport, school fees and savings until nothing is left to assign. Budgetfold has no bank connection. You type a purchase in a few seconds, or download a CSV, OFX or QFX statement from your online banking and import it. Day-first dates such as 25/10/2026 are read correctly.
YNAB is US$109 a year in every country. Upload the YNAB Export Plan zip; plans in euros or other decimal-comma currencies, which YNAB writes as tab-separated files, import as written. PocketSmith, made in New Zealand, also prices in US dollars. YNAB compared.
| YNAB | PocketSmith | Budgetfold | |
|---|---|---|---|
| Price | US$14.99/month or US$109/year | Free; Foundation US$9.99/month billed yearly or US$14.95 monthly | Free plan; Plus US$39/year on the web, local price on Google Play |
| Bank connection | Yes | Yes, on paid plans | No; CSV, OFX, QFX, QIF import |
| Budget style | Zero-based | Calendar forecasting | Zero-based envelopes with rollover |
YNAB from ynab.com/pricing; PocketSmith from my.pocketsmith.com/plans. Read 23 October 2026.
Yes. Choose any currency in Settings. The app is in English and on Google Play in New Zealand, Ireland, India, Singapore, South Africa, the Philippines and more.
Yes, from a CSV, OFX, QFX or QIF download. Day-first dates and decimal-comma amounts are read correctly.
The free plan costs nothing. Plus is US$39 a year on the web; in the Android app Google Play charges in your local currency.
Other countries: United Kingdom · Canada · Australia · United States. Competitor names are trademarks of their owners; Budgetfold is not affiliated with them. General information, not financial advice.
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