PocketSmith is a good product, the best tool in this market for seeing your money years ahead. People still leave it, and almost always for one of three specific reasons. Which one applies decides what you should move to.
We build one of the tools on this page. That is exactly why the verdict below names a competitor first when a competitor is the better answer: two of the three answers below are not us.
Checked November 2026. Prices and features change; check before you sign up.
The short answer
If you left because of the price
PocketSmith's free tier is manual entry only, so the paid plan from $14.95 a month ($9.99 a month billed annually) is really the product. Frollo is free with no paid tier at all and pulls in transactions from most Australian banks through .
If you left because it is a web product
PocketSmith is mainly a website with a companion app rather than a full phone app. WeMoney is built for phones, with a free tier and free Equifax and Experian credit scores. Up is built for phones too, but it is a bank, so you have to move your banking to it.
If you left because it knows nothing about Australia
PocketSmith was built in New Zealand for a global audience. It handles Australian bank accounts fine and Australian tax rules not at all. If you kept wishing it knew about , super or , that is the specific gap Funance was built to fill.
Side by side
| PocketSmith | Frollo | WeMoney | Funance | |
|---|---|---|---|---|
| Cost | Free tier manual only; paid from $14.95 a month, or $9.99 billed annually | Free | Free; Pro $9.99 a month | Free tier; Pro $9.90 a month |
| Pulls in your bank transactions | 14,000+ banks and institutions worldwide | Most Australian banks via | Yes | No feeds or bank login; import a CSV statement instead |
| Where you use it | Mainly on the web | Built for phones | Built for phones | Browser, with a phone view for bills |
| Looks ahead | Cash flow up to 60 years ahead | Limited | Limited | What-if planning on Australian rules |
| Knows Australian tax and super rules | No | No | No | Yes: tax, , , super, |
| Stand-out extra | Multiple currencies, custom dashboards | A 12-month money summary for brokers | Free Equifax and Experian credit scores | 20 Australian credit cards costed, ABS price data |
Checked November 2026. Prices and bank counts change, so check before you sign up.
Not sure what a term means? Hover over or tap anything with a dotted underline, or browse the plain-English glossary.
PocketSmith does one thing better than anything else available here: it shows your cash flow up to 60 years ahead on its top plan (30 on the middle one), handles multiple currencies, lets you budget by calendar date and build your own dashboards. It has been going since 2008 and it is self-funded. Nothing on this page beats it at that.
So if long-range forecasting is what you want and it is working, do not move. The three reasons below are the ones that actually send people looking, and each has a different answer.
PocketSmith's free plan is manual entry only. If you wanted automatic tracking without paying, you were always going to end up on a paid plan starting at $14.95 a month.
Frollo is the direct answer to that. Australian, free, no paid tier waiting, and connected to most Australian banks and lenders through . Its Financial Passport, a downloadable twelve-month summary of your income, spending, what you own and what you owe, is genuinely useful if you are about to talk to a mortgage broker.
PocketSmith is a website with a companion mobile app, not a full phone app. If you want to do everything from your phone it will frustrate you, and no amount of features fixes that.
WeMoney is built for phones, with a free tier, a $9.99 Pro plan, and free Equifax and Experian credit scores, which are what most people open it for. Up is the other phone-first option and it is better than any add-on app at what it does (Savers, Pay Day, and 2Up for couples), but Up is a bank, so using it means moving your banking there.
This is the one people take longest to name. PocketSmith was built in New Zealand for a global audience. Australian bank accounts connect fine. Australian rules are simply not in the product.
So a decades-long cash flow projection cannot tell you whether is worth it on your income, how much your balance will grow this year, how much changes between Victoria and Queensland on the same house, or what the bill looks like if you sell an investment property this financial year instead of next.
Funance takes the opposite trade: no bank feeds at all, and the Australian rules done properly instead. The super projection, home equity and net worth calculators on this site all run without an account, so you can see the difference before deciding anything.
Questions
Keep reading
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Personal finance app for Australia →A repayment calculator tells you what you owe today. A scenario engine tells you what happens if the RBA moves, if you put an extra $200 a month in, or if you refinance. Those are the questions that actually change decisions.
Mortgage rate rise calculator →A savings goal is easy to set and hard to sanity-check, because the honest answer depends on every other commitment you already have. Funance builds the timeline from what is genuinely left over.
Savings goal calculator →Australian finance apps compared: Frollo, WeMoney, Up, PocketSmith, YNAB, the big four bank apps and more, with prices, bank feeds and who each one suits. Written by one of the apps on the list, so we tell you when a competitor is the better pick.
Read it →If the wall you keep hitting is that none of them know what , super contribution limits or Victorian are, that is the entire reason this one exists. Sample data loaded, no signup.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
Funance