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 Ghostfolio
PocketSmith and Ghostfolio both land on Depends.
Ghostfolio
Depends
Confidence: Medium
Buy if you're a privacy-minded self-hoster comfortable running, updating, and patching your own server.
| Compare | PocketSmith | Ghostfolio |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Mint refugees wanting forecasting | Self-hosters and privacy purists |
| Who it's not for | Canadians . Canadian bank connections were dropped | Anyone unwilling to run and patch a server |
| Privacy | No known public vulnerabilities found in the sources reviewed.⁹ | Multiple CVEs in reviewed sources, including an auth bypass fixed in v3.4 . patch before trusting it with financial data.13 |
| 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 | Self-hosters on Reddit and Hacker News like consolidating multi-broker net worth but question chart accuracy and corporate-action handling. |
| Biggest gotcha | Canadian bank connections were dropped . verify your country's feed coverage before subscribing10 | Patch immediately: auth bypass affects all versions prior to 3.413 |
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 Ghostfolio when
- Self-hosters and privacy purists
- Multi-broker DIY investors
- Spreadsheet refugees automating net worth
- Open-source enthusiasts avoiding paid trackers
When Ghostfolio is not a fit
- Anyone unwilling to run and patch a server
- Hands-off investors wanting plug-and-play broker sync
- Firms and advisors . it's personal, not professional, software
- Users who won't track CVEs on their own deployment
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
- Ghostfolio - Official siteghostfol.ioofficial
- Ghostfolio on GitHubgithub.comofficial
- CVE-2026-47127: Ghostfolio Auth Bypasssentinelone.comsecurity
- CVE-2026-59709: Medium, CVSS 4.3echelongraph.iosecurity
- CVE-2026-59708cve.imfht.comsecurity
- Hacker News launch threadnews.ycombinator.comnews