--- title: PocketSmith alternatives: seven tools compared url: https://wealthscout.app/compare/guides/pocketsmith-alternatives checked: 2026-08-20 --- # PocketSmith alternatives: seven tools compared > PocketSmith forecasts a bank balance. If that is your question, stay. People leave when the question changes from what the account will hold next month to what you are worth and when you can stop working, which is a different kind of forecast. Checked 2026-08-20. Source: https://wealthscout.app/compare/guides/pocketsmith-alternatives PocketSmith does cashflow forecasting better than anything else on this page, and its budgets are properly built. The gap is what it forecasts. A cashflow forecast projects money moving through accounts. A balance sheet projection projects what you own and owe over time, counting growth, disposal and the tax of taking money out. They answer different questions, and only one of them gives you a retirement date you can act on. ## WealthScout **Top pick for:** People asking when they can retire, buy or drop to part time. **Best for:** People holding more than one asset class, and often more than one owner. Records shares, property, cash, debt, retirement accounts, income and spending against the owner of each asset, then projects their value over time, calculating tax on returns while assets are held and again when money is paid out to a person. **Strengths** - Share and crypto prices update automatically, so your net worth reflects current market values without a bank connection. - An owner on every asset, including trusts, companies and retirement structures. - Projections use the figures you already track, so you do not retype them. - Thirteen countries with local tax treatment. - Reports and projections use the same dated figures, so they cannot disagree. **Limits** - No bank or broker connections. Broker files are imported and checked before they post. - No tax returns and no jurisdiction tax reports. - Opens to the public country by country. - **Pricing.** $99 a year — Plus is $99 a year, or $11.99 a month. One subscription per household, with no per-person charge. Free plan: Free has no time limit and asks for no payment. It includes one user, your complete current position, up to 10 share holdings in one supported market, one property and a current-trajectory projection.. ## PocketSmith **Top pick for:** Anyone whose real question is the bank balance week by week. **Best for:** People who want to forecast the bank balance week by week. Cash, budgets and cashflow forecasting driven by bank feeds. **Strengths** - Genuinely good cashflow forecasting. - Bank feeds in several countries. - Budgets and categories done properly. **Limits** - Cashflow forecasting is not balance sheet projection. - No ownership model and no extraction tax. - Investments are shallow next to a real portfolio tool. - **Pricing.** $85 a year (charged as AUD $9.99 a month, billed annually, converted 2026-08-19) — Foundation is the entry paid plan. Bank feeds and the longer forecasts sit on Flourish and Fortune above it. Free plan: Free covers manual entry and a small number of accounts.. Head to head: https://wealthscout.app/compare/pocketsmith-vs-wealthscout ## ProjectionLab **Top pick for:** People who want the deepest forecast tests and will enter the figures by hand. **Best for:** Planners who want the widest range of forecast tests and will type the figures in. A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan. **Strengths** - The broadest set of plan tests of anything here. - Strong scenario comparison and charting. - Detailed personal tax modelling inside the plan. **Limits** - Every value is entered and maintained by hand, so the plan becomes out of date between updates. - It keeps no ledger of trades, property costs or debt. - It does not model an entity's own tax or what extraction costs. - **Pricing.** $129 a year — Premium is $129 a year. Pro, for advisers, is $549 a year. Free plan: Basic runs in the browser and saves nothing to an account.. Head to head: https://wealthscout.app/compare/projectionlab-vs-wealthscout ## Finary **Best for:** European investors who want linked accounts and a clean total. Linked accounts and a well-made net worth view, strongest in Europe. **Strengths** - Strong account connection coverage in Europe. - A clear, well-designed net worth view. - A usable free plan. **Limits** - Absent on ownership and on entities. - No real forecasting. - Coverage thins outside Europe. - **Pricing.** $64 a year (charged as EUR 54.99 a year, converted 2026-08-19) — Lite is the entry paid plan. Plus is EUR 149.99 a year and Pro is EUR 349.99. Free plan: Free links accounts and shows net worth.. Head to head: https://wealthscout.app/compare/finary-vs-wealthscout ## Kubera **Best for:** People holding many hard to price assets who want live links and one total. Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts. **Strengths** - Very wide asset coverage, including hard to price items. - Account links in many countries. - A beneficiary handover tool. **Limits** - It records a balance without recording who owns the asset. - It cannot project your net worth into the future. - No budgeting, and no free plan. - **Pricing.** $250 a year — Essentials is $250 a year. Black, which adds ownership tags and nested portfolios, is $2,500 a year. There is no free plan. No free plan. Head to head: https://wealthscout.app/compare/kubera-vs-wealthscout ## CompiledSanity **Best for:** People who want to own the file outright and change any formula in it. A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned. **Strengths** - Bought once, owned forever, updates included. - Every formula is open to change. - Covers a lot of ground for a few dollars. **Limits** - A sheet of formulas cannot hold multiple entities and their tax. - Rules change every year and the sheet does not. - You maintain it. - **Pricing.** $7 once (charged as AUD $10 once, converted 2026-08-19) — The Complete Edition is bought once and updates are included. You own the file. Free plan: A free Beginner Edition covers the basics.. Head to head: https://wealthscout.app/compare/compiledsanity-vs-wealthscout ## Sharesight **Best for:** Investors who want detailed share tax reports for their own country. Mature investment reporting with broker links, dividend tracking and jurisdiction tax reports. **Strengths** - Broker links and trade confirmation imports. - Tax reports for several countries, including Australia. - Long history of dividend and performance reporting. **Limits** - It tracks shares. It does not track debt. - Property is a hand-updated custom item. - It answers nothing about the rest of your money. - **Pricing.** $76 a year (charged as AUD $9 a month, billed annually, converted 2026-08-19) — Basic is the entry paid plan. Tax reports sit on the plans above it, and the Australian tax pack costs extra again. Free plan: Free holds ten holdings in one portfolio.. Head to head: https://wealthscout.app/compare/sharesight-vs-wealthscout ## Questions **Does WealthScout do budgets?** It holds what you earn and spend, and uses both in the forecast. It does not read transaction feeds or categorise individual spending, which is the part PocketSmith does well. **What is the free alternative to PocketSmith?** PocketSmith's own free plan covers manual entry and a small number of accounts. WealthScout's Free plan has no time limit but is a wealth tool rather than a budgeting one. **Which of these have bank feeds?** PocketSmith, Finary and Kubera. WealthScout, ProjectionLab, Sharesight and CompiledSanity do not. ## Sources - Product pricing and feature pages, checked on the date shown