Meet the best alternative to YNAB

PocketSmith is feature-rich with bank feeds in 36 countries

Budgets Trends Budgets

Get the features you're looking for.

Comprehensive, flexible, intuitive.
PocketSmith is elegant personal finance software that lets you do so much more.

Trends Spending Trends

Understand your spending for each budgeted category over any time period. Quickly see how much you have left to spend and easily detect overspending. Nest your budgets, roll them up and drill down into categories.

Currency Bank feeds in your country

Use PocketSmith anywhere. We have bank feeds for 36 countries, and users in 200. Connect foreign accounts with multi-currency support. PocketSmith has you covered from Australia to Zambia.

Budgeting 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.

Memories Track your memories!

Use our killer search engine to find transactions. Attach labels, notes, photos and invoices to any transaction. Revisit details on bargains, recipes, car maintenance, big expensive buys, visits to the doctor and much more!

Calendar See your future!

Take care of future you. Use our forecasting calendar to see daily projected bank balances, and test budgets you set. Fine tune your finances and hit your financial goals! Unlike YNAB, cash flow forecasting is a core feature.

Support 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.

How do I get started?

Follow these three easy steps to upgrade your personal finance experience.

Hop on the YNAB Express.

Our YNAB Express feature moves your YNAB history to PocketSmith in minutes!

Your categories, transactions, accounts and labels will be preserved. Our wizard will help you set them up the way you want.

Once you've imported your data, reconnect your bank accounts and you're good to go.

Get control over your money.

Start managing your money better right away.

Categorize, label and annotate your transactions your way. Find your old transactions easily with our kick-ass search engine.

Save your favourite searches so you can see the results again with a click, anytime. Use searches to run actions (like categorizing and renaming) on blocks of transactions.

Schedule future budgets of varying periods (weekly, fortnightly, monthly, and more).


See your future finances.

PocketSmith shows you how your savings will reward you by revealing your projected daily balances up to 30 years into the future.

Get answers to what-if scenarios. What would happen if you reduced spending on fast food? Can you survive on a lower income? Can you afford a new mortgage? How long before you can afford a vacation?

Our neat budget calendar lets you do this with ease, so you can make the best decisions for your future.

Embrace your unique relationship with your money.

A strict solution like YNAB not right for you? You've found the best alternative.
We've designed a comprehensive set of features to give you the flexibility you’re looking for.

See our plans and pricing.

Here's what we offer as an alternative to YNAB.

We're constantly updating PocketSmith to make it better for you.

YNAB PocketSmith
Bank account aggregation
Multi-currency (currency for each account)
Currency conversion
View all your accounts in one place
Live bank feeds
Connect to banks worldwide
Bank feed auto-categorization
Auto-categorization can be turned off
Mortgage, loan and investment accounts
Flexible budgets (e.g. daily, weekly, quarterly, yearly)
Budget on a calendar
Schedule future budgets
Daily historic and future closing balances
What-if scenario modelling. Test your budget's future outcomes!
Categorise and track spending
Split expenses into different categories
Customisable main and sub-categories
Roll-up (overall) reporting
Transaction management
Labels and tagging
Attach images and files
File imports (CSV, OFX, QIF, QFX)
Saved searches
Send expenses to Xero
Filters for bulk editing
Manual transaction entries
Powerful search engine
Income and Expense
Cashflow projection
Daily projected future balances
Net worth
Track assets and liabilities
Integrate loan accounts from your bank
Multiple loan accounts for an asset
Schedule future budgets
Daily historic and future closing balances
Two-factor authentication (2FA)
Advisor Access

Ready to get started?