SHORT ANSWER
Choose Pigget if your priorities are a native iPhone and iPad experience, multiple currencies inside one budget, and a product shaped around European households. Choose YNAB if you want a mature cross-platform service, extensive learning resources, or up to six people under YNAB Together.
Who each app is for
Pigget is the better fit if…
Your household uses iPhones or iPads, keeps accounts or goals in more than one currency, and wants envelope budgeting without adapting a desktop-style product to mobile.
YNAB is the better fit if…
You need Android or web access, want the confidence of a long-established product and education ecosystem, or need a published plan that covers as many as six people.
Pigget vs YNAB at a glance
| Decision point | Pigget | YNAB |
|---|---|---|
| Best for | European Apple households with multi-currency lives | A mature budgeting method across more platforms |
| Platforms | Native iPhone and iPad app | Web, iPhone, iPad, Android, and Alexa |
| Budget method | Envelope-style, zero-based planning | YNAB's zero-based method |
| Currencies in one plan | Yes; accounts and goals keep their natural currency | No; YNAB says multiple currencies cannot be used together in one spending plan |
| Household use | Shared budget editing through Apple's iCloud sharing | YNAB Together supports a group of up to six people |
| European bank sync | Read-only connections from Pigget's bank-data partner; coverage varies by institution | Direct Import in 17 European countries; institution and account-type coverage varies |
| Published price | Private beta; public pricing not announced | US$109/year or US$14.99/month |
Prices and feature availability can change. Taxes and App Store billing may differ by region. Facts checked 20 August 2026.
Bank sync in Europe
YNAB officially lists Direct Import for Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, and the United Kingdom. YNAB also warns that not every account type is supported. Its documentation says most linked accounts refresh once or twice a day and that a posted transaction can take up to three days to appear.
Pigget exposes a searchable catalogue of more than 2,900 available connections and labels the current capability of each institution. Connections are read-only: you authenticate with the institution and Pigget cannot move money. Coverage still depends on what each institution and connection provider make available, so the useful test is your exact bank—not a country-level promise.
Search for every account your household considers essential, including cards and savings accounts. A logo in a bank list is not a guarantee that every account type or transaction will behave identically.
Multiple currencies
This is the clearest structural difference. Pigget gives the budget a base currency while allowing individual accounts and goals to remain in their natural currencies. That is useful for cross-border households, expats, and people who are paid or save in one currency while spending in another.
YNAB's official guidance says you cannot use multiple currencies together in a single spending plan. Its workaround is to keep separate plans for separate currencies, which preserves accurate symbols and calculations but splits the household view.
Neither model is universally better. Separate plans can be clean when financial lives are truly separate. One converted view is more useful when the same household must decide between obligations across currencies.
Household sharing
Pigget uses Apple's iCloud sharing so invited household members can work in the same budget. It fits best when everyone is already on supported Apple devices and comfortable using iCloud.
YNAB Together lets the group manager invite up to five other people, for six people in total. Members have separate logins and can create private spending plans, while the manager controls the subscription and can access plans shared within the group. That model is broader and more mature, particularly for families that need separate logins across different device platforms.
Price, maturity, and risk
YNAB publishes a price of US$109 per year or US$14.99 per month and offers a 34-day trial. It is an established paid service with mature documentation, support, workshops, and a large user community.
Pigget is currently a private beta distributed through Apple TestFlight. Public pricing has not been announced. A beta gives early users more influence over the product, but it also means less history, a smaller support operation, and more product change. Do not choose Pigget because of an assumed future price; choose it only if the current fit and the trade-off of using a beta make sense.
Verdict
Pigget is the more specific answer. It is designed for European households on Apple devices whose finances cross currencies and who want a native envelope budget. YNAB is the safer general answer. It has broader platform access, a mature ecosystem, and a clearly published household and pricing model.
If multi-currency inside one household plan is non-negotiable, Pigget solves a problem YNAB explicitly does not. If cross-platform access or organizational maturity matters more, YNAB is the stronger choice today.
Official sources
- YNAB pricing and included features
- YNAB Direct Import in Europe
- How YNAB Direct Import works
- YNAB Together terms
- YNAB guidance for multiple currencies
- Pigget product facts and limitations
- Pigget bank connection catalogue
Pigget is not affiliated with YNAB. YNAB and its product names are the property of their respective owner.
PRIVATE BETA
See whether Pigget fits your household.
Try the current iPhone and iPad beta through Apple TestFlight. Public pricing has not been announced.