PocketSmith forecasting at NZ$11.99/mo.
PocketSmith is a Dunedin-founded fintech that pioneered cash-flow forecasting. Brilliant product, but pricey — Foundation NZ$22, Premium NZ$32, Super NZ$45/month. PocketSpend delivers the same 30/60/90/365-day forecasts plus native KiwiSaver tracking and IRD-ready expense tagging at NZ$11.99/month.
PocketSpend
NZ$11.99/mo
Save up to 73%
cheaper, every month
PocketSmith
NZ$22-45/mo
Why people are leaving PocketSmith
- 1.PocketSmith Super at NZ$45/month is the only tier that unlocks the full 365-day cash flow forecast. Foundation caps you at 6 months. PocketSpend ships 365 days on the NZ$11.99 plan.
- 2.PocketSmith uses Yodlee and Akahu for bank sync. Kiwi users report frequent disconnects on Yodlee-backed banks. We use Akahu where supported and an interim secure aggregator otherwise.
- 3.PocketSmith has no native KiwiSaver tracking, no IRD-ready expense tagging, no Working for Families awareness. You roll your own.
- 4.PocketSmith’s web-first UI is functional but dated. PocketSpend ships polished native iOS, Android and web simultaneously.
Feature-by-feature: PocketSpend vs PocketSmith
| Feature | PocketSpend | PocketSmith |
|---|---|---|
| Cash flow forecasting | 365 days standard | Super tier only (NZ$45) |
| Bank sync | Akahu + interim | Yodlee + Akahu |
| KiwiSaver tracker | Native | Manual |
| IRD expense tagging | Native | Manual |
| GST101A export | Business tier | Manual |
| Working for Families | âś“ | âś— |
| Mobile app polish | Native, modern | Functional, dated |
| Monthly price | NZ$11.99 | NZ$22-45 |
| Annual price | NZ$119 | NZ$220-450 |
What PocketSpend does that PocketSmith can't
KiwiSaver tracker built in
Track employee + employer + government contributions. Project balance at 65. Warn if you fall below the 3% minimum and miss the employer match. PocketSmith requires manual setup.
IRD-ready from day one
IR3 schedule categorisation, GST101A export ready for filing, Working for Families threshold awareness. PocketSmith doesn’t bake these in.
Akahu partnership
We are integrating Akahu — Aotearoa’s native Open Banking aggregator — rather than screen scraping forever. Rolling out through 2026.
365-day forecast on standard plan
PocketSmith locks 365-day projection in the NZ$45 Super tier. We ship it on Premium at NZ$11.99. See your end-of-year balance projected today.
The verdict
PocketSmith deserves enormous respect — it’s a Dunedin-founded fintech that invented this category. But at NZ$22-45/month with screen-scraping bank sync and no native KiwiSaver tools, the value equation has flipped. PocketSpend ships PocketSmith’s forecasting + native NZ tax tools at NZ$11.99/month — saving the average PocketSmith Super user NZ$396 a year. Kia ora, Kiwi finance.
Common questions
Can I import PocketSmith data?â–Ľ
Yes — PocketSmith exports a clean CSV from Settings → Data Export. Drop into PocketSpend and our importer maps your categories, accounts and 12 months of history automatically.
Is Akahu really better than Yodlee?â–Ľ
Yes for NZ banks. Akahu is the local Open Banking standard, partnered with ANZ NZ, ASB, BNZ. Yodlee scrapes login pages, which breaks when banks update UIs. Stability is materially better on Akahu.
Does PocketSpend support multiple budgets like PocketSmith?â–Ľ
Yes — nested budgets, sinking funds, and joint household budgets across up to 5 family members on Business tier. PocketSmith Super gates joint budgets at NZ$45/mo; we include it on Business at NZ$17.99.
When will Akahu be fully integrated?â–Ľ
ANZ NZ, ASB and BNZ are live through Akahu. Kiwibank and Westpac NZ are rolling out through 2026. TSB, The Co-operative and smaller banks are on the H2 2026 roadmap.
Try PocketSpend free
Free plan forever. No credit card. Cancel anytime.