PocketSmith
An app that shows your balance months ahead on a calendar.
What PocketSmith does
PocketSmith is a budgeting tool built around a calendar. You place bills, paychecks and budgets on the days they happen, and it forecasts your bank balance into the future. It connects to banks in many countries and handles multiple currencies. It runs on the web, with companion apps for iPhone and Android.
PocketSmith thinks in days rather than months. You put each bill, paycheck and spending budget on the calendar when it actually happens, and it draws your daily balance going forward, so a tight stretch shows up long before you reach it.
Forecasts reach 6 months on the free plan and up to 10, 30 or 60 years on paid plans. Bank feeds bring transactions in, rules sort them, and accounts in other currencies roll into one view, which helps if you live or earn across borders.
The full experience is on the web. The mobile apps are companions: you can check your dashboard and calendar, create and edit budgets, sort transactions and add cash spending, but a few setup changes still need the browser. The iPhone app has few ratings in the US, and they're mixed. If you love planning ahead and like a desk setup, PocketSmith gives you a lot of power. If you want a phone-only app, look elsewhere.
Alternatives to PocketSmith
Who it's for
Skip it if: Anyone who wants to do everything from their phone. People who want a quick, simple tracker.
Pricing
Free planThe free plan includes 2 accounts, 12 budgets and a 6-month forecast. Foundation is $14.95 a month, or $9.99 a month billed yearly. Flourish is $24.95 a month ($16.66 yearly) and Fortune is $39.95 a month ($26.66 yearly). There's a 14-day money-back guarantee instead of a trial.
Prices can vary by country. Checked 15 Oct 2026.
What people like
- Forecasts can reach decades ahead on paid plans
- Plans around the real dates bills and paydays land
- Handles banks and currencies from many countries
- Free plan to try the calendar approach
Watch out for
- Mobile apps are companions, not the full product
- Paid plans cost more than many budgeting apps
- Takes time to set up properly
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Questions people ask
Is PocketSmith free?
Yes, there's a free plan with 2 accounts, 12 budgets and a 6-month forecast. Paid plans add more accounts and longer forecasts.
Does PocketSmith have a mobile app?
Yes, for iPhone and Android. They're companion apps, so a few setup tasks still need the web version.
Does PocketSmith work outside the US?
Yes. It connects to banks in many countries and supports multiple currencies.
What makes PocketSmith different?
It puts your budget on a calendar and forecasts your daily balance into the future, so you see shortfalls before they happen.