Productivity & Business · Finance, Billing & Accounting

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.

Our take: Most budgeting apps look backward at what you spent; PocketSmith's draw is looking forward.

Best forCash flow forecasting

ReviewedOct 2026Freemium

6.95 criteria · see breakdown

Try PocketSmithFree; paid from $9.99/mo billed annually

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 bottom line

The pick for people who want to forecast cash flow, not just categorize it.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

Community ratings

Shown for context only. Our score is independent.

Trustpilot

2.9

10+ reviews

2.9 / 5 aggregate · across 1 source

Third-party ratings shown verbatim; aggregate weighted by review volume.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isA calendar-based budgeting app that forecasts your bank balances into the future.

Our takeMost 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.

Why we rate itLong-range forecasting, a usable free plan with bank feeds, and multi-country bank connections on mid-tier plans.

The catchThe free plan stops at 2 accounts, Foundation is limited to one country's banks, and monthly billing costs about 50% more than annual.

Best / not good for

Best for

Households planning cash flow months or years ahead
People with banks in more than one country
Spreadsheet-minded budgeters who want projections

Not good for

People who want a fully automatic budget with no setup
Anyone needing more than 2 accounts for free
Couples wanting a free trial of paid features first

Trade-offs

Friction report

Trade-offs to know before signing up.

Time to value
Bank feeds connect quickly; useful forecasts need bills and income scheduled on the calendar first.
Scale breakpoint
A third account or a second country pushes you to a paid plan; more than 18 banks needs Fortune.
Walled garden
Low to medium: manual imports and AI assistant connections exist; no export details reviewed.

Still a fit?

If none of these block you, start on the free plan.

Try PocketSmith

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

Is the PocketSmith app free?

Yes, there is a free plan with automatic bank feeds, 2 accounts, 2 dashboards, 12 budgets and a 6-month projection. Paid plans start at $14.95 a month, or $9.99 a month billed annually (checked 4 October 2026).

How much does PocketSmith cost per year?

Billed annually, Foundation is $9.99 a month (about $120 a year), Flourish $16.66 a month (about $200) and Fortune $26.66 a month (about $320). Monthly billing is $14.95, $24.95 and $39.95 (checked 4 October 2026).

Is PocketSmith worth the money?

It is worth it if you want to forecast balances months or years ahead; that is what the paid plans' 10, 30 and 60-year projections pay for. If you only track spending in one country, the free plan or Foundation may cover you, and the 14-day money-back guarantee limits the risk of trying.

How safe is PocketSmith?

PocketSmith says data is encrypted, two-factor authentication is available on all plans, and it makes money from subscriptions with no ads or ad tracking. As with any app that links bank accounts, turn on two-factor authentication.

Does PocketSmith have a free trial?

Not in the usual sense. Paid plans come with a 14-day money-back guarantee, and the free plan has no time limit.

PocketSmith alternatives

Other budgeting apps to compare:

Showing 1–3 of 4

Sources checked October 4, 2026: PocketSmith plans, PocketSmith homepage, YNAB pricing, Monarch pricing, Tiller pricing.

Conversion Gems independently reviews every tool.