Havoro vs PocketSmith
Havoro
havoro.app
PocketSmith
pocketsmith.comSide by side
| Figure | Havoro | PocketSmith |
|---|---|---|
| Price from | Free | $9.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | Yes |
| macOS | — | Yes |
| Linux | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | — | Yes |
| Self-hosted | Yes | — |
| Plans published | 1 | 7 |
| Spec score · Budgeting And Expense Tracking | 8.3 (#8) | 8.9 (#2) |
| Spec score · Personal Finance Software | 8.1 (#79) | 9.5 (#2) |
| Account sync | manual | both |
| Bill tracking | Yes | Yes |
| Budgeting | Users can set monthly category budgets and track actual spending against them. | The product provides a budget calendar, flexible budget periods and what-if scenarios. |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Security | The security document says the self-hosted app uses bcrypt password hashing, JWT authentication in httpOnly cookies, and admin/member roles. | 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 | Support is community-based through GitHub issues, with no dedicated support service. | 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
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.