Why you'll love PocketSmith as your Mvelopes alternative

Most personal finance software solutions only track your expenses. We go further by helping you plan for the future. See the details you’ve been looking for in our reports, plan for the future with our unique forecasting tools, and record your finances just the way you want to. If your Mvelopes budget was feeling a little stale, now’s the perfect time to make a change. While Mvelopes acted largely as a virtual envelope system, PocketSmith offers so much more.  PocketSmith is not just an alternative Mvelopes app replacement, it’s an upgrade!

Come try us out and start managing your money, your way – and see why PocketSmith wins out vs other Mvelopes competitors like YNAB, Mint, GoodBudget and EveryDollar.

Flexible budgeting

Weekly groceries, biweekly paychecks, quarterly bills. Tuesday to Tuesday, or every 15th. Even roll your budgets over for ultimate adaptability. We don’t force you to budget monthly because we know your life is more interesting than that.

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.

No advertisements

Mint advertises to you, making you their product. The PocketSmith experience is about you and your money. We're an ad-free, noise-free experience.

Full suite of reports

Get clarity across all aspects of your finances. We have reports for Net Worth, Income & Expense (P&L), Cashflows, multiple customizable Dashboards, and more!

See your future

Times are tough, so take care of future you. Use our forecasting calendar to see daily projected bank balances, and test budgets before you set them.

Ready to get started?




Be productive with your money, your way

Life is interesting, and so are you.

Unlike other personal money management apps, we don't force you into a system, because we don't think like that either. We're here to help you focus on what you care about, with personal accounting software that’s tailored specifically to you.

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.

Freedom to pick the tools that fit the job.

PocketSmith gives you control over all jobs, big and small.

All you need to do is pick and mix the features that you want in order to design a solution that works best for you.

When things change, PocketSmith will change with you. We use our deep understanding of our customer needs to deliver a rich and comprehensive experience that stands the test of time.

Why choose PocketSmith as your Mvelopes alternative?

Is PocketSmith the best budgeting app for me?

Money is intensely personal, so only you can answer that question. What we can promise though, is one of the most customizable personal money management tools on the market.

When it comes to home budgeting Mvelopes alternatives, PocketSmith is unmatched. PocketSmith can work as an envelope budgeting software but you can also adapt it to suit your preferred budgeting method, whether you follow the 50/30/20 rule, zero-based budgeting, or a hybrid system you invented yourself! If you compare PocketSmith’s budgeting systems to your Mvelopes personal budget, you’ll never look back! Our caring Support team is an email away to help you figure things out as you go. 

Check out what our lovely user community has to say and decide whether we're right for you. See how a diverse group of Americans use PocketSmith to supercharge their financial productivity. From software engineer Darin, who tracks his expenses and income with PocketSmith, to entrepreneur Doug, who uses PocketSmith’s forecasting features for home and business, and California-based Ellen and Max, who manage their combined finances with PocketSmith.

Does PocketSmith use a financial aggregator?

We use Plaid as our North American data provider alongside our global data provider, Yodlee. We use these fintech companies because they are the most reliable method of providing automated transaction imports into PocketSmith. 

At the end of 2021, we launched Data Connections, our new platform that enables us to connect to even more institutions,​​ and prepares us for the future of open banking. This means, in addition to Yodlee, we have the ability to connect to other financial aggregators specializing in specific regions. To that end, we now use Salt Edge for EU countries regulated by PSD2, Basiq for open banking in Australia, and connect to NZ financial institutions via Akahu.

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, CSV. Export your bank files from your online banking website, then import them straight into PocketSmith! You can learn more about importing bank files here.

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. Learn more about shared access here.

Can I use PocketSmith to create custom budgets?

We pride ourselves on creating leading budgeting software that allows individuals and households to create budgets unique to their situation. Whatever stage of life you’re at, we’ll help you get control over your money.

Is PocketSmith a web app, mobile app or both?

Both! PocketSmith is cloud-based desktop personal finance software with a mobile companion app. PocketSmith is the best alternative to Mvelopes for Windows and Mac. Much like the Mvelopes budgeting 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!

Does PocketSmith have a monthly subscription?

In the same way as Mvelopes cost you a monthly subscription fee, PocketSmith has three subscription tiers, each with expanded functionality – Basic, Foundation, Flourish and Fortune. Check out our plans page for more information on the costs and features of each subscription tier. 

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 the USA and worldwide.
Search for yours below.

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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 who are joining us from Mvelopes.

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

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