PocketSmith
Depends
Confidence: Medium
Buy it if you want deep cashflow forecasting with live bank feeds, especially in NZ/Australia or as a Mint replacement.
Comparison
PocketSmith vs Borderless Budget
PocketSmith and Borderless Budget both land on Depends.
Borderless Budget
Depends
Confidence: Low
Buy only if you're an expat or digital nomad banking in the US, Canada, or EU and juggling two-plus currencies.
| Compare | PocketSmith | Borderless Budget |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Mint refugees wanting forecasting | Expats banking in two countries |
| Who it's not for | Canadians . Canadian bank connections were dropped | Single-currency earners . mainstream apps or a spreadsheet do this |
| Privacy | No known public vulnerabilities found in the sources reviewed.⁹ | No known public vulnerabilities found in the sources reviewed; however, the site's security page was not found despite bank-linking features.14 |
| Public sentiment | Reddit users largely rate PocketSmith as the strongest Mint replacement and forecasting tool, especially in NZ and Australia, with recurring complaints about pricing.⁵ | No independent user reviews of Borderless Budget were found; available commentary is category roundups and the founder's own posts.16 |
| Biggest gotcha | Canadian bank connections were dropped . verify your country's feed coverage before subscribing10 | No visible security page before handing over bank credentials14 |
Pick PocketSmith when
- Mint refugees wanting forecasting
- NZ and Australia users
- Multi-account, data-heavy households
- Long-range cashflow planners
When PocketSmith is not a fit
- 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
Pick Borderless Budget when
- Expats banking in two countries
- Digital nomads spending across currencies
- US/Canada/EU account holders
- Per-currency budget fans
When Borderless Budget is not a fit
- Single-currency earners . mainstream apps or a spreadsheet do this
- Banks outside US, Canada, or EU
- Anyone wanting a proven app with independent reviews
- People unwilling to link bank accounts
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
- Borderless Budget homepageborderlessbudget.comofficial
- Multi-Currency Budgeting Apps 2026 | 6 Apps Testedborderlessbudget.comofficial
- The Complete Guide to Multi-Currency Budgetingborderlessbudget.comofficial
- Security pageborderlessbudget.comsecurity
- Founder post in Sevilla Expats Facebook groupfacebook.comnews