Why you'll love PocketSmith

PocketSmith is your private place to do your financial planning. At PocketSmith, we make money from your subscription, not your data. We will never sell your data or advertise to you.

 PocketSmith offers unparalleled flexibility with multiple custom dashboards and reporting options. Get the insights you want with spending trends, income and expense statements, calendar budgeting, net worth tracking, and multi-currency support.

Record your finances just the way you want and plan for the future up to 30 years ahead with our powerful cashflow forecasting engine.

You can even 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 of all the Personal Capital alternatives, it's an upgrade!

See your future

See your forecast bank balances by scheduling future budgets. Our budget calendar makes it easy to see balances on any given date up to 30 years into the future.

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.

Flexible budgeting

Weekly groceries, biweekly paychecks, quarterly bills. Tuesday to Tuesday, or every 15th. You can also apply rollover budgeting to some categories and not others. 

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.

 Active development

Since 2008, we've been working with our customers to create the world's best personal finance tool. We pride ourselves on constant improvement and iteration. You won't see any stagnation around here.

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.


“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

Only financial tool I've come across in the past four years that gives you the ability to accurately forecast your accounts in a way that makes sense: graph, calendar and cash flow views in any scenario.

Austen Haines USA

I've been using PocketSmith properly for over a year now and must say it has been an absolutely FANTASTIC tool for taking control of my finances and getting a better awareness of my money.

Teddy Dereje New Zealand

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The best Personal Capital, now Empower alternative

See your financial future and make better decisions with this Personal Capital replacement.

PocketSmith is the only product that forecasts each and any of your daily account balances up to 30 years into the future. We designed this feature to give you the clearest foresight into your finances, so you can plan in comfort and know the future impact of your current decisions. It is the fun alternative to Personal Capital.

Customize to your hearts content.

PocketSmith gives you the ability to customize your reports in multiple ways so you don’t miss important information. Some of the unique features you will only find here are multiple dashboards and custom widgets for financial metrics important to you, saved searches for frequently sought-after transactions, and an Income and Expense report with customizable categories. Our transaction search engine is also the best in the market, hands-down. 

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

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 centre of all our endeavours — we will never sell your data or advertise to you.

Is PocketSmith the best free alternative to Personal Capital?

PocketSmith has a free plan that is an excellent alternative to Personal Capital, now Empower. To compare the features of our free plan versus our paid plans, have a look at our plans page. Or, you can take advantage of the 50% off deal below to enjoy the full features that PocketSmith has to offer.

What is the best Personal Capital alternative in the United States of America?

Look no further! PocketSmith is the best alternative to Personal Capital, now Empower! you could take a quick Tour of our key features, or, you can explore the app for yourself by taking advantage of the 50% off deal below and enjoy the full set of features that PocketSmith has to offer.

What is the best Personal Capital alternative in Australia?

Look no further! PocketSmith is the best alternative to Personal Capital in Australia. PocketSmith is fully open banking ready in Australia, 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. Pocketsmith has all the features to help you take your finances to the next level.

I am looking for a Personal Capital, or Empower alternative in Europe.

PocketSmith is available worldwide and supports bank feeds to most financial institutions in Europe via Salt Edge, our EU open banking provider, you can search for your bank below.

What is the best Personal Capital alternative in the UK?

Look no further! PocketSmith is the best alternative to Personal Capital, now Empower, in the UK. PocketSmith is Connected to open banking via Salt Edge, our UK open banking provider. Pocketsmith has all the features to help you take your finances to the next level.

Does PocketSmith connect to all Personal Capital supported banks?

PocketSmith connects securely to most major banks worldwide with open banking data feeds where available. You can search for your bank below

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 budgeting software?

Don’t take it from us, hear what our lovely user community has to say. See how a diverse group of people 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!    

Is PocketSmith a web app, mobile app or both?

Both! 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 worldwide

Search for yours below.

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Get 50% off your first two months!


  • 6 connected banks from 1 country
  • 6 dashboards
  • 10 years' projection

50% off Premium

$14.95 $7.48 monthly
for the first two months

Get Foundation Deal


  • 18 connected banks from all countries
  • 18 dashboards
  • 30 years' projection

50% off Super

$24.95 $12.48 monthly
for the first two months

Get Flourish Deal

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

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