307,000+
Users
per PocketSmith
Report
Should I Use PocketSmith?
Money management, personal budgeting and cashflow forecasting with PocketSmith, the best personal finance software on the web. Connect multiple bank accounts securely.
Depends
DependsBuy it if you want deep cashflow forecasting with live bank feeds, especially in NZ/Australia or as a Mint replacement.
Forecasting-first budgeting app, 307k+ users; great for NZ/AU and Mint refugees, poor fit for Canada or free-tool seekers.
Confidence: Medium
2008
Founded
New Zealand-based
Yes
Free tier
Foundation plan
14
Trustpilot reviews
very small sample
Value for money
3
PCMag and YouTube flag pricing concerns
Ease of use
3
Users say it covers basics well
Feature depth
4
Detailed tracking plus long-range forecasting
Security posture
4
CNET calls it safe; dedicated security page
Pros
Cons
Gotchas
- highCanadian bank connections were dropped — verify your country's feed coverage before subscribing10
- mediumUseful features sit behind paid tiers; free plan is very limited⁷
- lowCheaper competitors advertise from $10/month or $99/year — compare first
- lowOnly 14 Trustpilot reviews exist, so support quality is hard to verify⁴
Best for
- Mint refugees wanting forecasting
- NZ and Australia users
- Multi-account, data-heavy households
- Long-range cashflow planners
Not for
- Canadians — Canadian bank connections were dropped
- Anyone wanting a genuinely free long-term budgeting tool
- Small businesses needing real accounting software
- Casual set-and-forget users — it rewards data nerds
Pricing
Foundation
Free
- Entry-level plan
- Guess: limited accounts and history
Paid plans
Not confirmed in reviewed sources
- Four total plans per CNET
- Full features require a paid tier
Security
No known public vulnerabilities found in the sources reviewed.
What users say
Reddit users largely rate PocketSmith as the strongest Mint replacement and forecasting tool, especially in NZ and Australia, with recurring complaints about pricing.
“After further evaluation, I'm paying for Pocketsmith.”
“6 months later still using Pocketsmith the most. Here's why”
“I realised that Pocketsmith does the basics that so many others do”
Alternatives
Compare PocketSmith with each alternative.
Tiller Money
Bank feeds into spreadsheets; better for spreadsheet lovers
Buxfer
Long-running rival claiming 1M+ users
PocketSmith vs BuxferGhostfolio
Open-source, self-hosted tracking; free forever
PocketSmith vs GhostfolioBorderless Budget
$10/month competitor positioned directly against PocketSmith
PocketSmith vs Borderless BudgetFull analysis
Based on ~15 public sources; most snippets were truncated, so several quotes are partial and exact paid prices were not verifiable.
Sources
review
review
- Pocketsmith review (TechRadar)techradar.comreview
- Trustpilot reviews of pocketsmith.comtrustpilot.comreview
review
- PocketSmith plans and pricingmy.pocketsmith.comofficial
- PocketSmith security pagepocketsmith.comsecurity
- PocketSmith blog: Canada connections discontinuedpocketsmith.comofficial
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