BudgetPilot vs PocketSmith
BudgetPilot
github.com
PocketSmith
pocketsmith.comSide by side
| Figure | BudgetPilot | PocketSmith |
|---|---|---|
| Price from | Free | $9.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | Yes |
| macOS | Yes | Yes |
| Linux | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | — | Yes |
| Self-hosted | Yes | — |
| Plans published | 1 | 7 |
| Spec score · Personal Finance Software | 8.9 (#9) | 9.5 (#2) |
| Account sync | both | both |
| Bank integrations | Optional PSD2 bank sync uses Enable Banking and is off by default; the maker says setup requires HTTPS and provider configuration. | Automatic imports and categorization cover over 14,000 banks and institutions worldwide. |
| Bill tracking | Yes | Yes |
| Budgeting | Budgets can be set monthly by category and flagged when spending approaches the limit. | The product provides a budget calendar, flexible budget periods and what-if scenarios. |
| Budgeting tools | Yes | Yes |
| Forecasting | Cash-flow forecasting projects upcoming balances from recurring income and expenses detected in transaction history, without machine learning. | Its forecasting tools show daily bank balances up to 60 years into the future on the Fortune plan. |
| Net-worth tracking | Yes | Yes |
| Purpose | BudgetPilot is a local-first personal budgeting app for tracking budgets, net worth, savings goals, and cash-flow forecasts. | PocketSmith is personal finance software for forecasting future bank balances and interacting with money. |
| Report export | Yes | Yes |
| Security | The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets. | Connections are encrypted, stored data is encrypted at rest, passwords use bcrypt hashing, and PocketSmith reports an SSL Labs A+ transport rating as of February 2024. |
| Support | Security vulnerabilities can be reported privately through GitHub Security Advisories, and the maintainer says there is no formal response-time SLA. | 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
BudgetPilot
BudgetPilot has no write-up on Specifiction yet; its figures are above.
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.