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About PocketSmith
What is PocketSmith?
PocketSmith is a budgeting and personal finance software that helps you see where your money is going and forecast your financial future. Unlike standard budgeting apps, it uses calendar-based forecasting to project your daily account balances up to 30 years ahead, giving you a 'crystal ball' for your finances.
Who is it for?
It is ideal for individuals and households who want more than just expense tracking. It is designed for 'household CFOs' who want to project future savings, plan for big expenses, and gain a deep understanding of their cash flow. It is less suited for those looking for a simple, one-screen spending tracker.
Key use cases
People use PocketSmith to plan for major purchases, forecast their savings growth, manage multiple accounts and currencies, and get a forward-looking view of their finances. It's also useful for preparing for tax time with its document management and reporting features.
Key features
- Calendar Forecasting — Project your daily account balances up to 30 years into the future to see what's ahead.
- Custom Dashboards — Build focused dashboards with specific accounts, transactions, and budgets to track what matters most.
- Flexible Budgets — Create a budgeting system that works for you, with in-depth reports to see how you're tracking.
- Open Banking & Bank Feeds — Automatically connect your accounts and see everything in one place.
- Multi-Currency — Monitor international accounts with live multi-currency conversions.
- Collaborator Access — Securely share your financial data with a partner, family member, or coach.
SaaSpartout Score
7.3
/10
Editorial score from our review methodology — not user ratings.
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Why are you looking at Finance & Accounting tools today?
PocketSmith Pricing
PocketSmith pricing: from $9.99/mo.
For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →
Free Plan
For the casual budgeter. Includes automatic bank feeds, manual imports, 2 dashboards, 12 budgets, 2 accounts, and a 6-month projection.
Foundation
For the financial tracker. USD $9.99 per month, billed annually ($14.95 billed monthly). Includes automatic bank feeds, email support, 6 connected banks from 1 country, 6 dashboards, a 10-year projection, unlimited accounts, and unlimited budgets.
Flourish
For the household CFO. USD $16.66 per month, billed annually ($24.95 billed monthly). Includes automatic bank feeds, email support, 18 connected banks from all countries, 18 dashboards, a 30-year projection, unlimited accounts, and unlimited budgets.
Fortune
For the financial expert. USD $26.66 per month, billed annually ($39.95 billed monthly). Includes automatic bank feeds, priority email support, unlimited connected banks from all countries, unlimited dashboards, a 60-year projection, unlimited accounts, and unlimited budgets.
All paid plans come with a 14-day money-back guarantee.
Frequently asked questions
How much does PocketSmith cost?
PocketSmith has a free plan, and paid plans start at $9.99 per month when billed annually. The middle 'Flourish' tier is $16.66/mo, and the top 'Fortune' tier is $26.66/mo, both billed annually.
Does PocketSmith have a free trial?
Yes, all paid plans come with a 14-day money-back guarantee, allowing you to try it risk-free. There is also a free plan available for casual budgeters.
What makes PocketSmith different from other budgeting apps?
Its core differentiator is calendar-based cash flow forecasting, which projects your future account balances up to 30 years out. This gives you a forward-looking view of your finances, not just a history of your spending.
Who is PocketSmith best for?
It's best for individuals and households who want to manage money proactively, plan for the future, and gain deep insight into their cash flow. It moves beyond simple tracking to help you act as your own household CFO.
What are some top alternatives to PocketSmith?
Popular alternatives include YNAB (You Need A Budget), Monarch Money, and Quicken. However, PocketSmith is specifically known for its powerful and unique long-term forecasting capabilities.
Does PocketSmith support bank feeds in my country?
Yes, it supports a wide range of banks. The number of connected banks depends on your plan: the Foundation plan supports 6 banks from 1 country, Flourish supports 18 from all countries, and Fortune supports unlimited banks.
