PocketSmith
9.0#2 in personal finance softwareFrom $119.88 a yearFree planAndroidiOSWebAPI
VisitPocketSmith vs Wallet by BudgetBakers
Wallet by BudgetBakers
8.1#6 in personal finance softwareFree planFree planAndroidiOSWeb
VisitWhat both publish
| Fact | PocketSmith | Wallet by BudgetBakers |
|---|---|---|
| Account sync | both | both |
| Bill tracking | Yes | Yes |
| Budgeting | The product provides a budget calendar, flexible budget periods and what-if scenarios. | Wallet supports category spending limits, overspending alerts, AI-powered category assignment, and multiple budget types. |
| Budgeting tools | Yes | Yes |
| Founded | 2008 | 2014 |
| Free plan | Yes | Yes |
| Headquarters | Dunedin, New Zealand | Prague, Czech Republic |
| Mobile apps | both | both |
| Multi-currency | It tracks accounts, assets and liabilities across countries with automatic currency conversion based on daily rates. | Wallet supports multiple currencies and says it automatically calculates exchange rates. |
| Net-worth tracking | Yes | Yes |
| 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. | BudgetBakers states it is ISO 27001 certified, PCI DSS compliant, and PSD2 licensed, and that bank access is read-only. |
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
Wallet by BudgetBakers plans
- FreeFree
- Premium Lifetime—
- Premium Monthly—
- Premium Yearly—
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.
Pick Wallet by BudgetBakers if…
Wallet suits people who want budgeting, bill monitoring and net-worth tracking across mobile and web devices. It also fits households needing shared finances, users importing historical records, Premium subscribers who want API access, and users seeking AI-assistant connections.