Why you'll love PocketSmith

You'll find all of the features you know and love from Toshl, but with so much more. 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 Toshl alternative, it's an upgrade!

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.

Flexible budgeting

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

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.

Flexible Reporting

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

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.

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.

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“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 Toshl alternative 

We believe that you can make the best decisions when you see the future, so we’ve made this possible.

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’s also really fun to use.

The right insight at the right time makes all the difference.

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

Toshl is cheaper, so why should I pay for PocketSmith?

Because we are dedicated to continuously developing next-level software to give you the insights you need to plan your future. You will also enjoy our top-rated team of Customer Support champions who will help you out if you get stuck. Additionally PocketSmith is the only product that forecasts each and any of your daily account balances up to 30 years into the future.

We have many more value-adds that we’re proud to say are unique to our product, and that are loved by our global userbase. PocketSmith has the features to grow alongside you as you get smarter about your money.

This innovation is possible thanks to the subscriptions from our customers for since 2008, and we know that our best years are still ahead of us. Come and be a part of our journey!

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 Toshl supported banks?

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

Toshl vs PocketSmith - how do they stack up?

PocketSmith is committed to active development, and has all the functionality of Toshl, and so much more. 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?

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

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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.

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

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