Side by side
Finlynq vs PocketSmith
Both stand on personal finance software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIiPhone+2
Finlynq brings budgeting, account tracking, imports, investment records, and assistant integrations into a free personal finance app. Its password-derived encryption key makes password recovery an important consideration, while self-hosting offers another deployment option.
Visit Finlynq
Free plan AndroidAPIiPhone+4
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.
Visit PocketSmithThe facts
| Finlynq | PocketSmith | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone, Self-hosted, Web | Android, API, iPhone, Linux, Mac, Web, Windows |
| Lowest paid plan | Free or on request | Foundation: $119.88 a year |
| Plans published | 2 | 7 |
| Maker | Not published | PocketSmith |
| Website | finlynq.com | pocketsmith.com |
| On personal finance software | #7 of 181 | #3 of 181 |
Finlynq: what it does well
- Tracks budgets, investments, loans, and financial goals
- Imports CSV, OFX, QFX, PDF, and email data
- Connects to compatible assistants through its MCP server
- Free plan includes all features
- Offers managed cloud and self-hosting
What to know first
- Forgotten passwords can make encrypted data unrecoverable
- Managed cloud retains HTTP logs for 30 days
- Managed cloud backups are retained for 7 days
PocketSmith: what it does well
- 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
Alternatives to Finlynq Alternatives to PocketSmith The whole list