PocketSmith

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About

PocketSmith is personal finance software for organizing money and forecasting future account balances. It imports and categorizes transactions from financial institutions, supports manual imports, and provides budgeting tools such as a budget calendar, flexible periods, and what-if scenarios. Reports cover income and expenses, net worth, and cash flow; custom dashboards can bring accounts, transactions, budgets, and other items together. Users can track accounts, assets, and liabilities across countries with automatic currency conversion. Forecasting shows daily balances, with the Fortune plan extending projections up to 60 years. Bank connections are read-only. The free plan includes two dashboards, 12 budgets, two accounts, and six months of projection; Foundation starts at $9.99 per month when billed annually. PocketSmith lists Android, iOS, web, and beta desktop apps for macOS, Windows, and Debian-based Linux. Its API is available without restriction and free of charge, and two-factor authentication is available on all plans.

Who it is for

PocketSmith suits people who want budgeting, account aggregation, reporting, and long-range balance projections in one personal finance tool. Its API and multi-currency support may also fit builders connecting financial data or managing accounts across countries.

What is good

Free plan includes 12 budgets and two accounts.
Daily forecasts extend up to 60 years on Fortune.
Read-only feeds connect to financial accounts.
Free API access with developer keys and OAuth 2.
Two-factor authentication is available on every plan.

What to know first

Free plan limits projections to six months.
Foundation connects six banks from one country.
Desktop apps are beta releases.
Forecasts up to 60 years require Fortune.

Verdict

PocketSmith combines budgeting, reporting, bank feeds, and account forecasting, with an API and multi-currency tracking for broader workflows. Check the free-plan limits and plan-specific bank connections and forecast horizons against your needs.

Compared on personal finance software

Free plan: Yesmy.pocketsmith.com
Paid from: $9.99/momy.pocketsmith.com
Budgeting tools: Yesmy.pocketsmith.com
Bill tracking: Yesmy.pocketsmith.com
Net-worth tracking: Yesmy.pocketsmith.com
Account sync: bothmy.pocketsmith.com
Report export: Yesmy.pocketsmith.com
Mobile apps: bothmy.pocketsmith.com

Facts

Starting paid price: Foundation starts at $9.99 per month when billed annually.my.pocketsmith.com · 28 Sept 2026
Free tier: A free plan is available for casual budgeters.my.pocketsmith.com · 28 Sept 2026
Free tier limits: The free plan includes 2 dashboards, 12 budgets, 2 accounts, and 6 months' projection.my.pocketsmith.com · 28 Sept 2026
Trial refund: The service offers a 14-day money back guarantee.my.pocketsmith.com · 28 Sept 2026
Forecast horizon: Calendar forecasting can project daily account balances up to 60 years ahead.pocketsmith.com · 28 Sept 2026
Available platforms: The site lists mobile and desktop apps.pocketsmith.com · 28 Sept 2026
Account security: Data is encrypted at all times, with two-factor authentication on all plans.pocketsmith.com · 28 Sept 2026
Advertising policy: PocketSmith states that it has no ads or ad-tracking.pocketsmith.com · 28 Sept 2026
Bank integrations: Automatic imports and categorization cover over 14,000 banks and institutions worldwide.my.pocketsmith.com · 28 Sept 2026
Connected bank limits: Paid plans list limits of 6, 18, or unlimited connected banks depending on plan.my.pocketsmith.com · 28 Sept 2026
Support levels: Foundation and Flourish include email support; Fortune includes priority email support.my.pocketsmith.com · 28 Sept 2026
Company history: PocketSmith says it has been building the product since 2008.pocketsmith.com · 28 Sept 2026
Company structure: PocketSmith describes itself as an independent and dedicated team.pocketsmith.com · 28 Sept 2026
File management: Users can browse, upload, preview, rename, describe, and download documents.pocketsmith.com · 28 Sept 2026
AI integration: The PocketSmith MCP server connects compatible AI assistants to users' financial data.pocketsmith.com · 28 Sept 2026
Multi-currency support: Users can monitor international accounts with live multi-currency conversions.my.pocketsmith.com · 28 Sept 2026
Custom dashboards: Users can create dashboards containing accounts, transactions, budgets, and more.pocketsmith.com · 28 Sept 2026
Purpose: PocketSmith is personal finance software for forecasting future bank balances and interacting with money.pocketsmith.com · 28 Sept 2026
Bank feeds: PocketSmith connects to over 12,000 financial institutions worldwide for automatic live bank feeds.pocketsmith.com · 28 Sept 2026
Multi-currency: It tracks accounts, assets and liabilities across countries with automatic currency conversion based on daily rates.pocketsmith.com · 28 Sept 2026
Forecasting: Its forecasting tools show daily bank balances up to 60 years into the future on the Fortune plan.my.pocketsmith.com · 28 Sept 2026
Budgeting: The product provides a budget calendar, flexible budget periods and what-if scenarios.pocketsmith.com · 28 Sept 2026
Reporting: Reports include dashboards, income and expense, net worth and automatically updated cashflow statements.pocketsmith.com · 28 Sept 2026
Files: PocketSmith includes a file browser for browsing, uploading, previewing, renaming, describing and downloading financial documents.pocketsmith.com · 28 Sept 2026
Data providers: PocketSmith uses Yodlee, Plaid, Salt Edge, Akahu, Basiq and Mastercard for regional financial feeds.pocketsmith.com · 28 Sept 2026
Feed permissions: All bank feeds are read-only and cannot transfer or move money in connected accounts.pocketsmith.com · 28 Sept 2026
Security: Connections are encrypted, stored data is encrypted at rest, passwords use bcrypt hashing, and PocketSmith reports an SSL Labs A+ transport rating as of February 2024.pocketsmith.com · 28 Sept 2026
Two-factor authentication: Two-factor authentication is available to all users, including users on the free plan.pocketsmith.com · 28 Sept 2026
API: The PocketSmith API is available without restriction and free of charge, with developer keys and OAuth 2 for apps.developers.pocketsmith.com · 28 Sept 2026
Desktop apps: PocketSmith offers beta desktop apps for macOS 11 or newer, Windows 10 and 11, and Debian-based Linux distributions.pocketsmith.com · 28 Sept 2026
Support: Users can contact PocketSmith support through the in-app Help menu or by email, with priority email support on Fortune.pocketsmith.com · 28 Sept 2026