PocketSmith forecasting at A$9.99/mo, not A$25.
PocketSmith built brilliant cash-flow forecasting but priced itself out of reach — Foundation is A$15/mo, Super is A$25/mo. PocketSpend ships the same 30/60/90/365-day forecasting on top of native CDR Open Banking at A$9.99/mo. Same forecasts, one-third the price.
PocketSpend
A$9.99/mo
Save up to 60%
cheaper, every month
PocketSmith
A$15-25/mo
Why people are leaving PocketSmith
- 1.PocketSmith Foundation at A$15/mo locks scenario forecasting at 12 months. Super at A$25/mo unlocks 365 days. PocketSpend includes 365 days at A$9.99.
- 2.PocketSmith uses Akahu and Yodlee for AU bank sync — screen scraping, not real CDR. Refresh failures and stale balances are common in PocketSmith’s own community forum.
- 3.PocketSmith’s UI is web-first and feels like 2015. PocketSpend is mobile-first and ships a polished iOS, Android and web experience.
- 4.PocketSmith’s NZ-founded team focuses heavily on multi-region. We focus on doing Australia exceptionally well.
Feature-by-feature: PocketSpend vs PocketSmith
| Feature | PocketSpend | PocketSmith |
|---|---|---|
| Bank sync method | Native CDR | Yodlee / Akahu |
| Cash flow forecasting | 365 days | Super tier only |
| Fortnightly pay support | ✓ | ✓ |
| ATO category templates | ✓ | Manual |
| GST tracking | Business tier | Manual |
| Mobile app quality | Native polished | Functional |
| Monthly price | A$9.99 | A$15-25 |
| Annual price | A$99.99 | A$120-200 |
| Free plan | ✓ | 14-day trial only |
What PocketSpend does that PocketSmith can't
Native CDR bank sync
We connect through Basiq, a CDR-accredited intermediary. PocketSmith uses Yodlee for many AU banks — screen scraping that breaks when banks update their websites.
365-day forecast as standard
PocketSmith puts 365-day cash flow behind their A$25/mo Super tier. We ship it on the A$9.99 plan. See your end-of-financial-year balance projected today.
EOFY export to Xero/MYOB/Hnry
One tap to push deductible expenses to your accounting tool. PocketSmith requires manual CSV gymnastics.
Pre-built ATO categories
D1-D5 work-related deductions auto-applied. Super contribution tracker (Concessional + Non-Concessional caps). HECS/HELP repayment estimator.
The verdict
PocketSmith remains a respected name in Australian budgeting and deserves credit for pioneering cash-flow forecasting. But at A$15-25/month for features behind tiers, and with screen-scraping bank sync, it’s no longer the best value. PocketSpend delivers the same 365-day forecasting, native CDR sync and ATO tooling at A$9.99/month — saving the average PocketSmith Super user A$180 a year.
Common questions
Can I import PocketSmith data?▼
Yes — PocketSmith exports a clean CSV from Settings → Data. Our importer maps categories, accounts and budgets in one click.
Is CDR really better than Yodlee?▼
Yes — CDR is the legal Australian standard. Banks must support it under law. Yodlee scrapes login pages, breaks when banks update UIs, and is being deprecated by all four majors.
Does PocketSpend forecast Super contributions?▼
Yes — Premium plan tracks Concessional contributions ($30k cap FY25) and Non-Concessional ($120k cap), warns before breach, factors into 365-day forecast.
I use PocketSmith Super, do I need PocketSpend Business?▼
No — Premium at A$9.99/mo matches PocketSmith Super features. Business at A$14.99/mo only matters if you have an ABN, run a sole trader business, or need GST/BAS export.
Try PocketSpend free
Free plan forever. No credit card. Cancel anytime.