PocketSmith

PocketSmith is personal finance software for budgeting, tracking accounts, and projecting future balances. It imports and categorizes transactions from connected financial institutions, and manual imports are also available. Budget tools include a calendar, flexible periods, and what-if scenarios; reports cover income, expenses, net worth, and cash flow. Custom dashboards can bring accounts, transactions, and budgets together. Users can track accounts, assets, and liabilities across countries with currency conversion. Forecasting displays daily balances, with projections up to 60 years on the Fortune plan. The free plan includes two dashboards, 12 budgets, two accounts, and six months of projection. Foundation starts at $9.99 a month when billed annually. PocketSmith lists mobile and desktop apps and an API. Its bank feeds are read-only and cannot transfer money. The company says data is encrypted and two-factor authentication is available on all plans, including free; it also states that it has no ads or ad-tracking.

PocketSmith combines budgeting, reporting, imports, and balance forecasting, with the projection horizon depending on plan. The free tier has specific account and forecast limits, and connected bank feeds are read-only.

PocketSmith may suit people who want budgeting, account tracking, and future-balance projections in one personal finance tool. Its multi-currency features may fit people monitoring finances across countries.

Overview

PocketSmith is a personal-finance app for people who want budgets and account activity tied to a view of future balances. It suits users who actively plan across accounts, currencies or household finances. Its strongest distinction is long-range forecasting; the trade-off is that bank-feed capacity and projection range depend on the plan.

Key features

Budgets and forecasting

A calendar, flexible budget periods and what-if scenarios give users ways to organize spending and examine possible changes. Forecasts can project daily balances as far as 60 years on Fortune, but the cheaper tiers offer shorter horizons: six months on Free, 10 years on Foundation and 30 years on Flourish. That makes the premium plan relevant to people who genuinely need very long-range projections, rather than a default choice for ordinary monthly budgeting.

Accounts, currencies and reports

Automatic feeds import and categorize transactions, and manual imports provide another route for bringing in data. PocketSmith says its feed coverage spans thousands of institutions worldwide. Feeds are read-only, so users can review linked finances but cannot move money through the app. Multi-currency conversion supports tracking accounts, assets and liabilities across countries using daily rates.

Reports cover income and expenses, net worth and cashflow, with custom dashboards that can bring accounts, transactions and budgets together. A file browser handles financial documents, while the MCP server can connect compatible AI assistants to financial data. The unrestricted API is free and supports developer keys and OAuth 2, which is useful to developers building integrations.

Security and support

PocketSmith encrypts connections and stored data, hashes passwords with bcrypt and offers two-factor authentication on every plan, including Free. The maker says the service has no advertising or ad-tracking. Support is by email on Foundation and Flourish; Fortune adds priority email support.

Pricing

Free costs nothing and is aimed at casual budgeters. It includes automatic feeds and manual imports, but caps users at two dashboards, 12 budgets, two accounts and six months of projection. Those limits make it a way to try the core approach, not a generous option for someone managing many accounts.

Foundation is $9.99 per month when billed annually, while the monthly-billed plan costs $14.95 per month. It raises the allowance to six connected banks from one country, six dashboards, unlimited accounts and a 10-year projection. This is the practical step up for an individual who needs ongoing feeds and deeper forecasts without international bank connections.

Flourish is $24.95 per month billed monthly. It includes 18 connected banks from all countries, 18 dashboards, unlimited accounts and a 30-year projection, making it the more suitable tier for broader or household finances. Fortune costs $39.95 per month billed monthly and removes the connected-bank and dashboard caps, extends projections to 60 years and provides priority email support. Its expanded limits are most relevant to users with complex finances; for simpler budgets, Free or Foundation may be sufficient.

PocketSmith offers a 14-day money-back guarantee. Two-factor authentication is available even on the free tier.

Platforms

PocketSmith lists Android, iOS and web access, along with beta desktop apps for macOS 11 or newer, Windows 10 and 11, and Debian-based Linux distributions. Its API adds an option for software integrations.

Who it's for

PocketSmith is a strong fit for people who want budgeting connected to account feeds, reporting and forward balance projections, especially those tracking multiple currencies or planning across many years. Its free tier can suit a casual budgeter with only a couple of accounts. It is less compelling for someone who only needs a simple spending log, or who expects linked accounts to support transfers: feeds are strictly read-only.

Pros and cons

• Pros: Forecasting scales from six months to 60 years by plan, so users can choose a horizon that matches their planning needs.
• Pros: Multi-currency tracking and feeds spanning thousands of institutions make it suited to finances spread across countries.
• Pros: Free includes manual imports, and two-factor authentication applies to every plan.
• Cons: Free is capped at two accounts and six months of projections, limiting its usefulness as finances grow.
• Cons: Bank connections cannot move money, so PocketSmith is for monitoring and planning rather than account transactions.
• Cons: The most generous bank and dashboard limits, longest projection horizon and priority support require the highest-priced plan.

Alternatives

SoFi is worth considering for users who want budgeting and cash-flow tracking alongside credit-score monitoring. Trakli offers a free self-hosted plan with every feature and no limits, for users who prefer that model. Emma has a free Basic plan with account connections, budgeting and subscription tracking. Finlynq is a free option with all features included, including mobile apps and MCP tools. Money Manager Ex is a free, open-source option for users who prioritize desktop and mobile availability without ads or charges. Fireball offers a free plan with manual accounts and transactions, budgets, savings goals and debt planning. Rocket Money may suit users focused on subscription and upcoming-bill tracking with basic budgeting. ClearCheckbook offers a free plan with unlimited transactions and accounts, plus budgeting, bill tracking and reports.

Verdict

Choose PocketSmith if you want connected budgeting and reporting with unusually long balance projections, particularly across multiple accounts or currencies. Its main advantage is the way forecasting depth grows with the plan; look elsewhere if you need linked accounts to make payments or do not need more than straightforward spending tracking.