Budgero vs PocketSmith
Budgero
budgero.app
PocketSmith
pocketsmith.comSide by side
| Figure | Budgero | PocketSmith |
|---|---|---|
| Price from | $2.92/mo | $9.99/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | Yes |
| macOS | Yes | Yes |
| Linux | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 3 | 7 |
| Spec score · Personal Finance Software | 9.0 (#7) | 9.5 (#2) |
| Account sync | manual | both |
| Bill tracking | Yes | Yes |
| Budgeting | The app uses zero-based budgeting, assigning available money to categories and showing what remains to spend. | The product provides a budget calendar, flexible budget periods and what-if scenarios. |
| Budgeting tools | Yes | Yes |
| Free plan | No | Yes |
| Multi-currency | Accounts can use different currencies while the budget uses a chosen budget currency. | It tracks accounts, assets and liabilities across countries with automatic currency conversion based on daily rates. |
| Net-worth tracking | Yes | Yes |
| Platforms | Budgero runs in a browser on phones, tablets, and computers; the self-hosting page provides macOS/Linux installation instructions. | The site lists mobile and desktop apps. |
| Purpose | Budgero is a private budgeting app for planning spending, managing accounts across currencies, and budgeting together in a browser. | PocketSmith is personal finance software for forecasting future bank balances and interacting with money. |
| Report export | Yes | Yes |
| Paid from | 4 | 9.99 |
| Support | The maker lists documentation, email support at [email protected], a feedback site, Discord, and Reddit. | Users can contact PocketSmith support through the in-app Help menu or by email, with priority email support on Fortune. |
Plans
PocketSmith
- FreeFree
- Foundation$14.95 a month
- Flourish$24.95 a month
- Fortune$39.95 a month
- Foundation$119.88 a year
- Flourish$199.92 a year
- Fortune$319.92 a year
In their own words
Budgero
Budgero is a budgeting app for planning spending, managing accounts in multiple currencies, and budgeting together in a browser. Its zero-based method assigns available money to categories and shows what remains to spend. Accounts can use different currencies while the budget has a chosen currency. Reports include Money Map, spending, wealth, and scenario views. A Cloud workspace supports up to five people, each with an individual sign-in and master password. Sync can be manual; optional bank sync is in beta through user-connected SimpleFIN in the US and Canada or Enable Banking in Europe. Budgero says budget data is encrypted on the device before syncing, so its service cannot read the contents. Users can import YNAB data or transactions by CSV and export a full SQLite backup or CSV bundle. The app is open source under AGPL-3.0 and can be self-hosted for free, with hosting, updates, backups, security, and uptime managed by the user. Budgero Cloud costs $4 a month, tax included. The maker lists Android, API, iOS, Linux, macOS, self-hosted, web, and Windows platforms.
PocketSmith
PocketSmith is personal finance software for budgeting, monitoring accounts, and forecasting future balances. It connects to financial institutions for automatic imports and categorization, and also supports manual imports. Budget tools include a calendar, flexible periods, and what-if scenarios; reports cover income, expenses, net worth, and cash flow. Users can track accounts, assets, and liabilities across countries with currency conversion. Forecasting can show daily balances as far as 60 years ahead on the Fortune plan. The free plan includes two dashboards, 12 budgets, two accounts, and six months of projection. Foundation starts at $9.99 a month when billed annually. PocketSmith lists Android, iOS, web, desktop apps, and an API. Bank feeds are read-only and cannot move money in connected accounts. The service states that data is encrypted, two-factor authentication is available on every plan, and there are no ads or ad-tracking.