PocketSmith Pricing and PocketSmith Plans in US Dollars

PocketSmith has one free plan and three paid plans, priced in US dollars. Foundation costs $9.99 a month billed annually ($119.88 a year) or $14.95 month to month, Flourish costs $16.66 a month billed annually ($199.92) or $24.95 monthly, and Fortune costs $26.66 a month billed annually ($319.92) or $39.95 monthly. Every paid plan has a 14 day money back guarantee.

Prices were read from PocketSmith's own plans page, which shows USD to US visitors. Sales tax, if any, is added at checkout.

Most people pricing PocketSmith are leaving something else, usually Quicken. That is a good reason to look at it, because PocketSmith imports QIF, OFX, QFX and CSV files, so years of Quicken history can come with you. It is also the reason to read the plan limits carefully. The tiers differ less in features than in how many banks you can connect and how far ahead the forecast runs, and those limits decide which plan a former Quicken user actually needs.

How much does PocketSmith cost?

PocketSmith costs between $119.88 and $319.92 a year on annual billing, or $14.95 to $39.95 a month if you pay monthly. Annual billing saves about 33 percent on every tier. The free plan costs nothing but is limited to two accounts, twelve budgets and a six month forecast, with manual file imports instead of live bank connections.

Everything else is shared across plans: the budget calendar, cash flow statements, custom nestable categories, category rules, multi-currency, collaborator access for a partner or coach, and the bank file uploader. Fortune adds priority email support. That flat feature set is unusual and it makes the decision simpler than it first looks.

Which PocketSmith plan do I need?

Count the institutions you want to sync, not the accounts. A household with one bank, one credit union and two card issuers is four connections, which fits Foundation's six. Most US households coming from Quicken land on Foundation or Flourish; Fortune only makes sense with more than 18 institutions or a 60 year retirement forecast.

Two details trip people up. The limit counts banks, not accounts, so a checking account, savings account and credit card at the same bank use one connection. And Foundation's six connections must all be in one country, which is fine for a US-only household but rules it out if you also hold accounts in Canada or Europe. That one limit is the most common reason people move up to Flourish.

The forecast horizon is the other lever. Ten years on Foundation covers a budget and a mortgage payoff. If you want PocketSmith to project retirement balances 25 or 30 years out, you need Flourish, and the price of that is about $80 a year more.

Is PocketSmith free?

PocketSmith has a free plan, but it is built as a trial of the interface rather than a working setup. It allows two accounts, twelve budgets, two dashboards and a six month projection, and you load transactions by uploading files yourself. Anyone tracking a full household, or anyone who wants transactions to arrive on their own, ends up on a paid plan.

The free plan is still useful for one thing: importing a Quicken QIF export for a single account and checking that the categories, payees and running balance look right before you pay for a year.

Does PocketSmith have a free trial?

PocketSmith does not run a time-limited free trial of the paid plans. Instead it offers a 14 day money back guarantee, so you pay for the plan, connect your real banks and import your history, and ask for a refund within two weeks if it does not fit. The free plan works as an open-ended preview of the interface.

Is PocketSmith worth the money?

PocketSmith is worth paying for if forecasting is the reason you budget. Its calendar shows every scheduled bill and paycheck, and the projected balance for any future day, years ahead, which few budgeting apps do as well. It is less compelling if you mainly want investment tracking, bill pay or check printing, which Quicken Classic still does and PocketSmith does not try to.

The price is in the same band as its competitors once you compare annual plans:

Prices are the vendors' published US rates; Quicken figures are first-year rates for orders placed directly by November 22, 2026. If QIF import is the deciding factor, PocketSmith, YNAB and Quicken itself accept the file, while Simplifi and Monarch do not. YNAB's help center says file imports arrive without categories. We compare the two head to head on PocketSmith vs Quicken.

Can I import my Quicken data into PocketSmith?

Yes. Export each account from Quicken Classic as a QIF file and upload it to the matching account in PocketSmith. QIF carries dates, amounts, payees, memos and categories. Plan an hour to line up Quicken's categories with the ones you set up in PocketSmith. Investment lots, scheduled reminders and attachments do not travel in a QIF file.

Quicken for Mac has not exported QIF since the 2007 version, so Mac users usually export QFX or CSV instead, both of which PocketSmith also reads. The export steps for each Quicken version are on how to export QIF from Quicken.

Can I use PocketSmith for my business?

PocketSmith can track a side business as a separate set of accounts and a dedicated dashboard, but it is not accounting software. It has no invoicing, no balance sheet built from double-entry books, no payroll and no sales tax tracking, and it exports only CSV and Excel. For anything your CPA files from, the business accounts belong in QuickBooks.

That is where most Quicken switchers split the file. The personal accounts go to PocketSmith, and the business checking and card accounts go to QuickBooks. QuickBooks will not import a QIF file, so convert each business QIF export to a .qbo Web Connect file with the converter at the top of this page and upload it to the matching account in QuickBooks Online or Desktop. The full walkthrough is on QIF to QuickBooks Online, and once the books live there you can scan business receipts straight into QuickBooks instead of attaching them in a budgeting app. On paid QIFQBO plans you can convert up to 25 files in one batch, and Starter is $49 for one month with 100 conversions.

Can I cancel PocketSmith at any time?

Yes, and inside the first 14 days PocketSmith's money back guarantee lets you ask for a full refund. After that window, assume an annual plan runs to the end of the year you paid for, which is why it pays to test with your real banks in the first two weeks. Before you cancel, export your transactions, because PocketSmith exports only CSV and XLSX, not QIF, and those exports are what you would carry to your next app.

Who should pay for PocketSmith?

Buy Foundation if you have up to six US institutions, want transactions to arrive on their own and care about seeing the next few years of cash flow. Buy Flourish if you hold accounts in more than one country or want a 30 year forecast. Skip PocketSmith if your main needs are investments, bill pay or a business ledger; Quicken Classic or QuickBooks fits those better.

If you are still choosing between budgeting apps, PocketSmith vs Monarch and PocketSmith vs YNAB compare the closest alternatives, and Quicken alternatives covers the full field.

Related: PocketSmith vs Quicken, Quicken pricing, Monarch Money cost, YNAB cost and QIF to QuickBooks Online.