PocketSmith vs Trout
PocketSmith
pocketsmith.comTrout
trout.moneySide by side
| Figure | PocketSmith | Trout |
|---|---|---|
| Price from | $9.99/mo | €4.92/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 7 | 7 |
| Spec score · Personal Finance Software | 9.5 (#2) | 8.8 (#15) |
| Spec score · Budgeting And Expense Tracking | 8.9 (#2) | 8.2 (#12) |
| Account sync | both | both |
| Budgeting | The product provides a budget calendar, flexible budget periods and what-if scenarios. | Envelope budgeting includes categories, groups, rolling balances, and five goal types. |
| Budgeting tools | Yes | Yes |
| Founded | 2008 | 2025 |
| Free plan | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Purpose | PocketSmith is personal finance software for forecasting future bank balances and interacting with money. | Trout is an envelope-budgeting ledger for people who want to own their money and data. |
| Report export | Yes | Yes |
| Security | 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. | The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest. |
| Support | Users can contact PocketSmith support through the in-app Help menu or by email, with priority email support on Fortune. | The maker provides a GitHub bug-report link and lists an email address for privacy and data requests. |
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
Trout
- FreeFree
- Hosted Monthly€7 a month
- Hosted Annual€59 a year
- Manual budgetingFree
- Self-hostedFree
- Hosted monthly€7 a month
- Hosted annual€59 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.