PocketSmith

PocketSmith is browser-based personal finance software for organizing accounts, tracking transactions, planning budgets, and forecasting future cash flow. Its official pages highlight multi-currency support, flexible categorization, custom dashboards, calendar-based forecasting, budgets, reports, and the ability to manage assets and liabilities. Users can start with a free subscription; Foundation, Flourish and Fortune plans add bank feeds and higher limits, with bank-feed coverage and plan limits depending on country and provider.

✨ Key Features

• Account aggregation — Organize financial accounts and balances in one view.
• Transaction tracking — Review and categorize income and expenses.
• Budget planning — Create budgets and monitor spending.
• Cash-flow forecasting — Project daily balances on a calendar.
• Scenario planning — Model future financial decisions and outcomes.
• Multi-currency support — Track funds, assets, and liabilities across currencies.
• Custom dashboards — Surface important budgets and metrics.
• Reports — Analyze spending and financial trends.
• Asset and liability tracking — Maintain a broader personal balance view.
• Bank feeds — Connect supported institutions where coverage is available.

💳 Pricing

• Free — Manual imports, 2 accounts, 2 dashboards, 12 budgets and 6-month forecasting. The official help guide states that automatic bank feeds are not included.
• Foundation — USD $14.95/month monthly, or $9.99/month equivalent billed annually. Includes 6 connected banks from 1 country, 6 dashboards and 10-year projections, with unlimited accounts and budgets.
• Flourish — USD $24.95/month monthly, or $16.66/month equivalent billed annually. Includes 18 connected banks across countries, 18 dashboards and 30-year projections, with unlimited accounts and budgets.
• Fortune — USD $39.95/month monthly, or $26.66/month equivalent billed annually. Includes unlimited connected banks and dashboards, 60-year projections and priority email support.
• Terms — Annual figures are displayed monthly equivalents with annual billing, not monthly payment schedules. Bank coverage depends on country and provider. The 14-day money-back guarantee is a refund condition, not a free trial.

⚖️ Alternatives Compared

🎯 Use Cases

• Monthly budgeting: Plan spending and monitor budget performance.
• Cash-flow planning: Forecast whether future balances cover upcoming needs.
• Debt and asset planning: Track liabilities and assets together.
• Multi-currency finances: Manage accounts across countries or currencies.
• Expense review: Categorize transactions and identify trends.
• Financial scenarios: Explore the impact of major future decisions.
• Net-worth tracking: Maintain a broader view of personal finances.
• Long-term planning: Use forecasts to align money decisions with goals.