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Budgets & planning

Reporting

Get live bank feeds for your bank, in your country

We use world leaders in global account aggregation.
Click below to see who we support where you live.


United States

Australia

United Kingdom

New Zealand

Why you'll love PocketSmith personal finance software

Most personal finance software solutions only track your expenses. We go further by helping you plan for the future. You also get detailed features that will help you record your finances just the way you want it.

Elevate your budgeting and financial planning to new heights with our versatile dashboards and a suite of reporting tools. Use PocketSmith for detailed spending trends, managing your income and expenses with precision, and exploring the convenience of calendar budgeting. Keep an eye on your net worth and effortlessly track multiple currencies. PocketSmith also serves as your secure digital vault for important household documents like insurance papers, warranties, and receipts – a comprehensive money dashboard at your fingertips.

Use PocketSmith to make day-to-day decisions or to plan for your retirement.

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Bank feeds (nearly) everywhere

Access to bank feeds in 49 countries can be yours. And if you can't get feeds where you are, PocketSmith features a super-easy financial file uploader too, so you'll never be without your transactions.

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Killer multi-currency support

Being a global application, you can track all your different currencies in the one place. Accurate conversions between your base currency and foreign currencies comes out of the box.

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Great for expats
 

Having accounts around the world can be a pain. PocketSmith lets you add as many banks as you need from as many countries as you require, so you can keep an eye on everything in one place.

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Not just for the USA

We're proudly a New Zealand company. We know all about being frustrated with US-centric software, so we're with you all the way!

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Active development.

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

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No advertisements. Ever.

Some free apps advertise to you, making you their product. The PocketSmith experience is about you and your money, you will not be sold other products along the way.

Why We Think PocketSmith Is the Best Personal Finance Software For 2024

PocketSmith distinguishes itself as the first choice for personal finance software in 2024, thanks to its robust features and user-centric design. Here are 5 reasons we think it's the best choice in money management software right now:

  1. Comprehensive Money Management: It offers an all-in-one solution for managing your money, from daily expenses to long-term investments.

  2. Detailed Budgeting Tools: Users can easily set up and adjust budgets to meet their financial goals, maintaining financial discipline and clarity.

  3. Extensive Financial Account Integration: With its ability to connect to a broad range of financial accounts globally, PocketSmith provides a real-time, comprehensive view of your financial health.

  4. Secure Financial Data: High-standard security measures ensure that your financial data is safe, letting you manage your finances with confidence.

In a nutshell: PocketSmith delivers superior functionality and security, making it the ideal choice for managing personal finances in 2024.

Personal finance software that doesn't judge

PocketSmith is personal finance software made for people from all walks of life. Whether you’re a first home buyer looking to connect your bank account with budgeting software to help with your deposit, or the CFO of your household looking for the best home bookkeeping software to give you next level insights, PocketSmith has the tools to fit.

Connect to all the major banks around the world for access to live bank feeds. Link your bank account to our software and say goodbye to tracking your money across multiple apps. With PocketSmith, you’ll get the full financial picture in one place.

Detailed Transaction Management:

Organize your transactions as you please. PocketSmith introduces customizable, nestable categories, along with handy labels, notes, and attachments for detailed tracking. Our advanced Transactions page features a powerful search tool, making it easy to locate and filter transactions, providing a superior alternative to traditional finance apps globally.

Tailored Financial Visualization:

PocketSmith transforms your financial perspective. Create custom dashboards that align with your financial aspirations. Utilize a variety of visual tools, including dynamic graphs and our unique calendar-based planning, to uncover essential financial insights. This surpasses the capabilities of standard money management apps, offering a clear and focused view of your financial health worldwide.

In-depth Financial Reporting:

Deepen your understanding of your financial status with PocketSmith. Access detailed income and expense statements that provide more insights than typical budgeting apps. Stay informed of your net worth and manage accounts across multiple countries with our real-time currency conversion feature.

Adaptable, Effective Budgeting:

Experience budgeting that adapts to your lifestyle with PocketSmith. Choose your preferred budgeting timeframe and enjoy the flexibility of rollover budgeting. Enhance your financial journey by sharing your progress with a partner or advisor through Advisor Access, a feature designed for dynamic financial collaboration.

Have a picture of your finances at the tip of your fingers, wherever you go, with PocketSmith Sidekick, our mobile companion budgeting app. Adjust your financial management to your lifestyle and categorise transactions, create budgets, manage household documents whilst you’re on the go!

Never be in the dark when it comes to your finances with PocketSmith Sidekick, our companion budgeting app. Categorize your transactions, create budgets, manage household documents at your convenience, wherever you are.

You ask, we answer

What makes PocketSmith the best personal finance software for me?

Finances are inherently individual. Your financial situation is different to your neighbor’s so why should you manage your finances in the same way? Made for a global audience, PocketSmith allows customers from all walks of life to tailor their experience to suit them best. Track your income, expenses, assets and net worth, customize your budgets, forecast your cashflow up to 60 years into the future, and see it all in a nifty calendar view. 

We have a diverse group of global customers who use PocketSmith to supercharge their financial lifes. From expat entrepreneur Connor, who manages his NZ and Canadian financial life with PocketSmith, to UK-based Kevin, who uses PocketSmith to track his expenses, freelance work and taxes, and Oliver who tracks his UK and AU bank accounts with PocketSmith.       

Does PocketSmith have a mobile app?

Yes! PocketSmith is a web-based desktop personal finance app. Our iOS and Android mobile app is designed as a companion budgeting app, providing you with some of the key elements of PocketSmith right there in your pocket. So you can achieve your money goals whilst you do what you do best - live your life!

I’m looking for personal accounting software similar to Xero Personal. How does PocketSmith compare?

If you’re looking for the best personal accounting software, PocketSmith is the only one recommended by Xero as the alternative to its discontinued Xero Personal product. Keen to find out more about the benefits of using home accounting software for household budgeting? Read why PocketSmith is Xero employee, Tara’s go-to money management tool!  

Can I use PocketSmith to create custom budgets?

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

How does PocketSmith cater to the needs of freelancers and independent contractors?

PocketSmith caters to freelancers and independent contractors by offering flexible budgeting and forecasting tools tailored to fluctuating incomes, customisable categories for easy expense tracking and tax preparation, and secure storage for important financial documents. Its multi-currency support and collaborative features also make managing international clients and working with financial advisors seamless.

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 my financial advisor or family member?

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.

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Reviews

So far this program has been a game changer for me. I'm finally able to budget they way I'd always hoped. I love looking into the future and seeing what money I will have left over.

Casey Casburn, United States

This is the best, most complete and most intuitive tool I've ever tried in the finance category. For me, the calendar was the mind blowing feature that changed my perception and minimum feature to expect.

Hugo Vitorino, Portugal

THE CALENDAR! OH MY GLOB! THE CALENDAR! Mint, Quicken, Excel - none give you the similar ability to prevent cash flow problems in the future in such an easy, graphic way. Money software is useless if it can't help you plan the future. I have already recommended it and continue to do so.

Amy Naha, United States

I've tried quite a few of these budgeting applications, but this has been the best experience, supporting the most bank accounts and international currencies.

Nicholas Steenson, New Zealand

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