PocketGuard
Track spending and save money automatically with smart insights
About PocketSmith
PocketSmith is a comprehensive personal finance tool that approaches budgeting through the lens of time. While most apps focus on what you've already spent, PocketSmith uses a unique calendar-based system to show you where your money is going in the future. It acts as a "financial time machine," allowing you to see your projected daily bank balances weeks, months, or even decades ahead.
Based in New Zealand but serving a global audience, PocketSmith is particularly powerful for "Global Citizens" or expats, offering best-in-class multi-currency support and automatic bank feeds from over 12,000 institutions worldwide. It transforms the complexity of multiple accounts and currencies into a clear, visual roadmap.
Key Features
- Budget Calendar: Schedule upcoming bills and income on a visual calendar to see their impact on your daily balance
- Cash Flow Forecasting: Project your future bank balances up to 60 years in advance based on your current habits
- Multi-Currency Support: Track assets and accounts in any currency with automatic daily conversion rates
- Automatic Bank Feeds: Securely sync data from thousands of banks globally for real-time tracking
- Scenario Testing: Create "What-If" scenarios to see how big decisions (like buying a house or changing jobs) affect your future wealth
- Net Worth Tracking: Monitor your total financial health by tracking assets, liabilities, and investments in one place
- Detailed Reporting: Access in-depth income/expense statements, trend reports, and customizable dashboards
- Transaction Journal: Add notes, photos, and labels to your transactions to keep a detailed financial history
Pricing
Basic
$0/month
Manual imports, 12 budgets, and 6 months of projections
Foundation
$14.95/month
Automatic feeds, unlimited budgets, and 10 years of projections
Fortune
$39.95/month
Unlimited connected banks, 60 years of projections, and priority support
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Who Should Use PocketSmith?
PocketSmith is designed for the "forward-thinker" who wants to see the big picture. It is ideal for individuals with complex financial lives, such as those with multiple international accounts, freelancers with variable income, or anyone planning major life transitions. If you prefer a desktop-first experience and want a tool that can help you "predict" your financial future rather than just record the past, PocketSmith is an excellent choice.