PocketSmith
PocketSmith is personal finance software for organizing money and projecting future account balances. Automatic bank feeds import and categorize transactions, while manual imports are also available. Budgeting tools include a calendar, flexible periods, and what-if scenarios; reports cover income, expenses, net worth, and cash flow. Forecasting can show daily balances as far as 60 years ahead on the Fortune plan. Users can track accounts, assets, and liabilities across countries with currency conversion. Bank connections are read-only and cannot move money. The free plan includes 2 dashboards, 12 budgets, 2 accounts, and 6 months of projection. Foundation starts at 9.99 USD per month when billed annually. Paid plans include different connected-bank limits, and Fortune includes priority email support. PocketSmith lists mobile apps and beta desktop apps for macOS 11 or newer, Windows 10 and 11, and Debian-based Linux. It says data is encrypted and two-factor authentication is available on all plans, including free.
Who it is for
PocketSmith suits people who want to budget, monitor accounts across currencies, and forecast balances. Its free tier is aimed at casual budgeters, while longer forecasts and higher bank limits are available on paid plans.
What is good
- Free plan includes 12 budgets and 2 accounts
- Daily balance forecasts extend up to 60 years on Fortune
- Read-only bank feeds cannot move money
- Two-factor authentication is available on every plan
What to know first
- Free plan projection covers 6 months
- 60-year forecasting is available on Fortune
- Desktop apps are beta releases
Verdict
PocketSmith combines budgeting, reporting, bank feeds, and long-range forecasting, with a free tier for lighter use. Consider the free plan’s account and projection limits and the paid plans’ bank allowances when deciding whether it fits.
PocketSmith plans and pricing
All plansCompared on personal finance software
- Free plan
- Yes
- Paid from
- $9.99/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
- Report export
- Yes
- Mobile apps
- both
