PocketSmith vs Sure

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.

Sure is a personal finance platform for tracking and managing personal and business money. It links accounts from more than 10,000 financial institutions through Plaid, and users can add assets and debts manually, including collectibles and personal loans. Investment balances can be combined with live market data. Transaction management includes custom categories, merchants and tags, filters, bulk edits, notes, receipts, manual entry, and CSV imports. Rules can categorize transactions by description, merchant, or amount, and apply to past or future activity. Budgeting tools cover category budgets, spending trends, cash-flow planning, and planned-versus-actual comparisons. An AI assistant answers questions about financial data through natural-language chat and analysis. Sure is open source under AGPLv3 and its self-hosted plan costs nothing, with contributions optional. It supports web, macOS, iOS, Android, API, and self-hosted use. The pricing page says a proper hosted version is not yet offered; users can self-host or consider third-party hosting.