Open Finance
7.4#57 in personal finance softwareFree planFree planAndroidiOSWebAPI
VisitOpen Finance vs PocketSmith
PocketSmith
9.0#2 in personal finance softwareFrom $119.88 a yearFree planAndroidiOSWebAPI
VisitWhat both publish
| Fact | Open Finance | PocketSmith |
|---|---|---|
| Account sync | both | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Mobile apps | both | both |
| Net-worth tracking | Yes | Yes |
| Purpose | Open Finance is a self-hosted, open-source personal finance app for managing accounts, budgets, reports, bills, debts, and goals. | PocketSmith is personal finance software for forecasting future bank balances and interacting with money. |
| Security | The project says it uses AES-256-GCM encryption at rest, device PIN and biometric unlock, recovery codes for PIN resets, and agent-action audit logs. | 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. |
Open Finance plans
- Open FinanceFree
PocketSmith plans
- 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
Pick Open Finance if…
Open Finance suits people who want local, self-hosted control over personal-finance data. It also fits users comfortable supplying their own Plaid keys, manual entry, or deploying desktop and home-server versions.
Pick PocketSmith if…
It suits people who want to budget, monitor connected accounts and project balances, including users managing finances across currencies. The free plan is aimed at casual budgeters.