Pledger.io vs PocketSmith
Pledger.io
pledger.io
PocketSmith
pocketsmith.comSide by side
| Figure | Pledger.io | PocketSmith |
|---|---|---|
| Price from | — | $9.99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | Yes |
| macOS | — | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 0 | 7 |
| Spec score · Personal Finance Software | 7.7 (#118) | 9.5 (#2) |
| Spec score · Budgeting And Expense Tracking | 7.6 (#19) | 8.9 (#2) |
| Account sync | manual | both |
| API | Pledger.io provides a REST API whose authentication uses bearer JWT unless an operation is marked public. | The PocketSmith API is available without restriction and free of charge, with developer keys and OAuth 2 for apps. |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Mobile apps | android | both |
| Net-worth tracking | Yes | Yes |
| Purpose | Pledger.io is open-source, self-hosted personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets. | PocketSmith is personal finance software for forecasting future bank balances and interacting with money. |
| Report export | Yes | Yes |
| Security | The maker says Pledger.io does not hand financial data to a cloud service and that users retain control by self-hosting. | 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. |
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.