Why you'll love PocketSmith

You'll find many of the features you know and love from the Frollo app, but with so much more. Plan for the future up to 30 years ahead with our powerful cashflow forecasting engine. Link to over 12,000 banks worldwide, and see your whole financial picture. Record your finances just the way you want to with unlimited custom dashboards. Get the insights you want with spending trends, income and expense statements, calendar budgeting, net worth tracking and multi-currency support.

Store important files like insurance documents, warranties, receipts and photos in PocketSmith, and have peace of mind knowing you have a copy of all your household administration in one place when you need it. PocketSmith is not just the best Frollo replacement, it’s an upgrade!

We’re a team of people just like you, and we're committed to looking after all Frollo users. Come try us out and take your money journey to the next level!

We're Open Banking ready

We’ve partnered with Australian CDR data provider Basiq to give you open banking access. This means you’ll get access to open banking feeds for all banks in Australia as they come online, and reliable traditional feeds in the interim.

Excellent customer service

We're highly responsive and care about getting you in control of your money. If you need a little help or just want to learn more, please get in touch - we’ll get right back to you.

Founded in 2008 and independent

We’re a diverse and enthusiastic crew of makers in New Zealand serving a global userbase in 191 countries. Here’s a bit more about us and our values.

Access from anywhere

Use PocketSmith from anywhere, no software to install. With bank feeds for 49 countries and flexible import options, PocketSmith is online personal finance software that has you covered whether you're in Australia or Lithuania.

See your future

How are your finances looking in 6 months, 10 years or even 30 years? Understand the future impact of your decisions today and view your long term cash balances in a calendar.

Your info is safe and secure

Your data is safe with us. It's encrypted in transit and at rest, and you're not required to share personally-identifying information with us. Read more about our security practices.

Ready to get started?


“PocketSmith ticked all the boxes for our needs. It was just perfect, easy, and really intuitive. Out of the box, I was able to connect to my bank feeds, categorize my spending, and set up budgets within an hour or two. Once the basics were done, I was able to really drill down into the detail and get things fine-tuned.” Read more reviews.

Daniel Johns, Australia

The alternative to Frollo that you’ve been looking for

Everything you love about Frollo, plus all of the things you’ve wished it could do.

Frollo PocketSmith
Bank account aggregation
Multi-currency (currency for each account)
Currency conversion
View sets of accounts together
Bank feeds
Connect to banks and financial institutions outside Australia
Auto-categorization can be turned off
Mortgage, loan and investment accounts
Transaction management
Labels and tagging
File imports (CSV, OFX, QIF, QFX)
Saved searches
Search and categorize using rules (using criteria like merchant, amount, date, and more)
Search by date range
Distinguishable, editable account names
Track refunds
Customizable dashboards
Historical spending trends
Income and Expense (P&L) statement
Cashflow statement
Daily projected future balances
Spending breakdown graphs
Customizable date ranges
Categorize and track spending
Split expenses into different categories
Custom categories and rules
Split transactions into multiple categories
Roll-up (overall) reporting
Automatic budget based on your spending
Historical budget analysis and trends
Rollover budgeting
Flexible budgets (e.g. daily, weekly, quarterly, yearly)
Budget on a calendar
Schedule future budgets
Cashflow projection
Daily projected future bank balances
What-if scenario modelling
Net worth
Track assets and liabilities
Automatically updated by feed accounts
Multiple loan accounts for an asset
Schedule future bills, budgets and income

Ready to get started?




The best Frollo alternative for Australia

PocketSmith is the complete personal finance software for Australia.

If you are looking for a Frollo replacement, look no further. PocketSmith has all the features of the Frollo app and so much more. You can securely connect to open banking feeds to all your Australian banks and credit cards. We also support international bank accounts which you can enjoy displayed in your home currency.

PocketSmith is so much more than just an expense tracker app, our reporting options will take your personal financial planning to the next level. Start with our budget planner to take control of your spending and meet your savings goals, then see where you are going with our long-term cash flow forecasting tool.

Keep in touch with your finances wherever you are with our mobile companion app, for Android and iOS. You can even snap photos of your receipts and attach them directly to your transactions on your iPhone or Android phone.

PocketSmith is here to stay.

PocketSmith has been an innovator in the fintech world since 2008 and is still proudly independent and self-funded.  Our only source of revenue is our customer subscriptions, and we are a stable, profitable company with no investors telling us what to do - our customers are at the center of everything we do.

At PocketSmith, we make money from your subscription, not your data. We will never sell your data or advertise to you.

You ask, we answer

Why should I pay to use PocketSmith when Frollo is available for free?

The decision to pay for a personal finance app like PocketSmith, when there are free options available, ultimately depends on what features and functionality you need from the app, the type of user experience you value, and the values of the company you are supporting.

Check out our feature comparison chart, and see how PocketSmith’s comprehensive features can help you.

Is PocketSmith here to stay?

Yes, PocketSmith is a stable and profitable company, we are only funded by customer subscriptions and have no investors telling us what to do. The customer experience and user privacy is at the center of all our endeavors, we will never sell your data or advertise to you.

Does PocketSmith connect to all Frollo supported banks?

PocketSmith connects securely to all major banks in Australia with open banking data feeds, and you can search for your bank below. PocketSmith is a money management and budgeting app that grows with you. You can start simply by just tracking your budgets and enjoy our automatic categorization and custom labeling. But you can also plan your whole financial future up to 30 years into the future with our cashflow and net worth forecasting features.

How does Frollo vs PocketSmith stack up?

PocketSmith has all the functionality, plus so much more, compared to apps like Frollo or any other free expense tracker app in Australia. Of all the alternatives to Frollo in Australia, you will not find one more comprehensive than PocketSmith. Take the Tour to explore.

Do I have to use bank feeds with PocketSmith?

If you prefer not to use automatic bank feeds, you can use our convenient bank file uploader. PocketSmith supports the following file types: OFX, QFX, QIF, and CSV. Export your bank files from your online banking website, then import them straight into PocketSmith! Read our guide to importing bank files.

Can I share PocketSmith with a trusted partner or advisor?

Yes, PocketSmith has a shared access feature where you can choose to share access to your PocketSmith account with a trusted partner, financial advisor, or other financial services of your choice, such as a mortgage broker.

What makes PocketSmith the best personal finance software in Australia?

Don’t take it from us, hear what our lovely user community has to say. See how a diverse group of Aussies use PocketSmith to supercharge their financial productivity. From keen investor Shay, who tracks his expenses and net worth with PocketSmith, to Sydney-based Daniel, who uses our app to run his busy household of four and manage his investment properties and accounts, and expat Oliver, who consolidates his Australian and UK banking accounts with PocketSmith!    

Frollo is a mobile app. is PocketSmith a web app, mobile app or both?

Both! You may have been searching for a Frollo desktop app to no avail and while there isn’t a Frollo web app, PocketSmith can be used at your desk or on your phone so you can manage your money wherever you are! PocketSmith is cloud-based desktop personal finance software with a mobile companion app. Our iOS and Android budgeting app is designed to provide you with the key elements of PocketSmith right there in your pocket. So you can achieve your money goals while you do what you do best — live your life!

What is PocketSmith?

PocketSmith is world-class personal finance software that lets you manage your money, your way. Track your income, expenses, assets and net worth, customize your budgets, forecast your cashflow up to 30 years into the future, and see it all in a nifty calendar view.

Ready to get started?


We support all major banks in Australia

Along with 153 other Australian banks and credit unions! See below for the full listing.

Name Country Home Page

Get your PocketSmith deal

Get 50% off your first two months of a PocketSmith Foundation or Flourish plan!


Save 50% for two months!

$14.95 $7.48 monthly
for the first two months

  • Automatic bank feeds
  • Automatic and manual transaction importing
  • Automatic categorization
  • Unlimited budgets
  • Unlimited accounts
  • 6 connected banks from 1 country
  • 6 dashboards
  • 10 years' projection
Get Foundation Deal


Save 50% for two months!

$24.95 $12.48 monthly
for the first two months

  • Automatic bank feeds
  • Automatic and manual transaction importing
  • Automatic categorization
  • Unlimited budgets
  • Unlimited accounts
  • 18 connected banks from all countries
  • 18 dashboards
  • 30 years' projection
Get Flourish Deal

Offer available exclusively to new PocketSmith users.

"PocketSmith is like your own personal finance assistant. 9/10"

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