The latest version introduces refinements to the transaction tools, including the ability to add Rules and edit multiple entries simultaneously. A few other personal finance apps are roughly the same price, including Quicken Simplifi ($6.99 per month, billed annually). Credit Karma and NerdWallet remain free, although they show targeted ads and provide fewer personal finance features. But PocketGuard and other all-purpose personal finance apps can’t compete with YNAB on this front. Extras: Somewhat Valuable Bill, Subscription, and Debt Management ToolsPocketGuard has a few additional personal finance tools, none of which are remarkable.