Overview

PocketSmith brings bank feeds, budgets, bill tracking, net-worth tracking and financial reports into one service. Users can also import data manually, build custom dashboards and monitor accounts, assets and liabilities across currencies with daily-rate conversion. The company is based in Dunedin, New Zealand, and says it has worked on the product since 2008.

Automatic feeds are read-only, so they cannot move money in connected accounts. PocketSmith says its automatic imports and categorization cover more than 14,000 banks and institutions worldwide. It has no ads or ad-tracking, and provides two-factor authentication on every plan. The API is free and unrestricted, with developer keys and OAuth 2 for apps.

Key features

Budgets and long-range forecasting

A budget calendar, flexible budget periods and what-if scenarios help users shape plans around their own timing and test possible changes. Calendar forecasts show daily account balances, with the horizon increasing from six months on Free to 10 years on Foundation, 30 years on Flourish and 60 years on Fortune. That makes the upper tiers relevant to people planning well beyond the next month or year; the shorter horizons may be enough for casual budgeters.

Feeds, reports and records

Automatic bank feeds import and categorize transactions, while manual imports give users another route for bringing in account data. Reporting covers dashboards, income and expenses, net worth and automatically updated cashflow statements. A built-in file browser lets users upload, preview, rename, describe and download financial documents, which can keep supporting records alongside their finances.

PocketSmith uses regional feed providers including Yodlee, Plaid, Salt Edge, Akahu, Basiq and Mastercard. It says connections are encrypted, stored data is encrypted at rest, and passwords are hashed with bcrypt. Users can also connect compatible AI assistants to financial data through the PocketSmith MCP server.

Pricing

PocketSmith uses a freemium model. The free plan is free and includes automatic feeds, manual imports, two dashboards, 12 budgets, two accounts and six months of projections. It is a workable entry point for a small financial setup, but the two-account cap and short forecast horizon constrain anyone managing several accounts or planning further ahead.

Foundation starts at 9.99 USD per month when billed annually, or $14.95 billed monthly. It includes automatic feeds, six connected banks from one country, six dashboards, unlimited accounts and 10 years of projections. This is the practical step up for an individual who has outgrown Free but does not need connections across multiple countries.

Flourish costs 16.66 USD per month when billed annually, or $24.95 billed monthly. It expands the allowance to 18 connected banks from all countries and 18 dashboards, with a 30-year projection and unlimited accounts. That wider reach makes it better suited to households or users managing international finances than Foundation.

Fortune costs 26.66 USD per month when billed annually, or $39.95 billed monthly. It includes unlimited connected banks from all countries, unlimited dashboards and 60-year projections, along with unlimited accounts. It is the clearest fit for financial experts or users who need the longest planning horizon and fewest connection constraints; its extra headroom is harder to justify for someone who only needs basic monthly budgeting.

Paid plans include a 14-day money-back guarantee. Foundation and Flourish come with email support, while Fortune adds priority email support.

Platforms

PocketSmith is available on the web, Android and iOS, and offers beta desktop apps for macOS 11 or newer, Windows 10 and 11, and Debian-based Linux distributions. The API is also available for developers. This broad platform range is useful for users who want mobile access alongside desktop or custom integrations.

Who it's for

PocketSmith is a strong choice for people who want budgets and account tracking tied to forward-looking balance projections. Its multi-currency monitoring and higher-tier connection limits also suit users with international accounts. It is less compelling for someone who only needs a small set of simple budgets: Free has tight account and forecast caps, while longer projections and expanded bank access require paid plans.

Pros and cons

Pros: Forecasts can extend up to 60 years, giving long-range planners a view beyond conventional short-term budgeting.
Pros: Budgets, bill and net-worth tracking, reports, and document management bring several parts of personal finance into one service.
Pros: Free includes two-factor authentication, and connected bank feeds are read-only.
Cons: Free is limited to two accounts and six months of projection, which may be restrictive even for users who do not need advanced tools.
Cons: Foundation restricts connections to six banks from one country; users with international feeds need Flourish or Fortune.
Cons: The longest projection horizon and unlimited connections are reserved for the highest-priced plan.

Alternatives

Consider MoneyPatrol if a no-fee plan with core tracking and dashboard features is the priority. SoFi may suit someone seeking a budget planner alongside account linking, cash-flow tracking and credit-score monitoring. EveryDollar is an option for monthly budgeting with manual transaction tracking, unlimited budget categories and bill due dates.

YNAB is worth considering for users open to a paid-only service: its annual plan is 9.08 USD per month, billed annually at $109 USD, and it also offers a monthly plan. Rocket Money may be a better fit for someone focused on subscription and upcoming-bill tracking alongside basic budgeting. Zaim offers expense and income recording, spending analysis, automatic bank and card connections, and receipt scanning. ClearCheckbook is another freemium choice, with unlimited transactions, accounts and categories on its free plan. Money Manager Ex is a free, open-source option with desktop and mobile availability.

For more options, browse Personal Finance Software.

Verdict

PocketSmith is best for people who want more than a record of past spending: its budgets, reporting and exceptionally long balance forecasts make it a capable planning tool, especially for multi-currency finances. Choose it if those projections and connected-account controls justify a paid tier. Look elsewhere if your needs are limited to simple budgeting or the free plan's two-account and six-month limits are too tight.

	AceMoney	PocketSmith
Free plan	Yes	Yes
Free trial	No
Paid from	$6.67/mo	$9.99/mo
Platforms	Android, iOS, Linux, macOS, Web, Windows	Android, api, iOS, Linux, macOS, Web, Windows
Free plan	No	Yes
Budgeting tools	Yes	Yes
Bill tracking	Yes	Yes
Account sync	both	both
Mobile apps	both	both
Paid from		$9.99/mo
Net-worth tracking		Yes
Report export		Yes

AceMoney vs PocketSmith

AceMoney

PocketSmith