PocketSmith
PocketSmith is a budgeting and cash flow forecasting app for households, with bank feeds, a budget calendar and balance projections up to 60 years.
PocketSmith is a budgeting app for households that forecasts your account balances from a budget calendar, up to 60 years ahead. A free plan includes bank feeds for 2 accounts; paid plans cost $14.95 to $39.95 a month, or $9.99 to $26.66 a month billed annually.
The pick for people who want to forecast cash flow, not just categorize it.
A calendar-based budgeting app that forecasts your bank balances into the future.
Most budgeting apps look backward at what you spent; PocketSmith's draw is looking forward. Put your bills and income on the calendar and it shows where each account will sit next month or in ten years. The free plan is generous enough to test with real bank feeds, but 2 accounts will not cover most households, and the Foundation plan's one-country limit matters for anyone banking abroad. Pay annually: monthly billing costs about half again as much.
Long-range forecasting, a usable free plan with bank feeds, and multi-country bank connections on mid-tier plans.
The free plan stops at 2 accounts, Foundation is limited to one country's banks, and monthly billing costs about 50% more than annual.
PocketSmith plans and pricing (USD)
| Plan | Monthly | Billed annually | Limits |
|---|---|---|---|
| Free | $0 | $0 | 2 accounts, 2 dashboards, 12 budgets, 6-month projection, bank feeds |
| Foundation | $14.95/mo | $9.99/mo | 6 banks from 1 country, 10-year projection, 6 dashboards |
| Flourish | $24.95/mo | $16.66/mo | 18 banks from all countries, 30-year projection, 18 dashboards |
| Fortune | $39.95/mo | $26.66/mo | Unlimited banks and dashboards, 60-year projection, priority email |
From PocketSmith's pricing page, checked 4 October 2026. Paid plans carry a 14-day money-back guarantee; accounts and budgets are unlimited on all paid plans.
Budgeting app prices compared
| App | Monthly | Yearly | Free plan or trial |
|---|---|---|---|
| PocketSmith (Foundation) | $14.95 | $119.88 ($9.99/mo) | Free plan; 14-day money-back guarantee |
| YNAB | $14.99 | $109 | 34-day free trial |
| Monarch (Core) | $14.99 | $99.99 | 7-day free trial |
| Tiller | Not offered | $99 | 30-day free trial |
From each vendor's own pricing page, checked 4 October 2026.
Frequently Asked Questions
PocketSmith alternatives
Other budgeting apps to compare:
Tags
Explore related categories
Conversion Gems independently reviews every tool. We may earn a commission if you sign up through our links — it never affects our verdict or ranking.
