What you are really paying for
PocketSmith's tiers differ on four things: how many bank connections you get, whether they can be in more than one country, how far the forecast reaches, and how many dashboards you can build. Accounts and budgets are unlimited on every paid plan, so most people should choose by connection count and countries.
This is research from official vendor pages and help articles read on 29 October 2026, not firsthand testing. We have not connected a bank, invited a partner or run a forecast in any of these apps for this guide.
Tier by tier
USD, from the official plans page on 29 October 2026. Annual totals are 12 times the listed monthly-equivalent price; confirm the exact charge at checkout, and tax may apply.
| Plan | Billed annually | Billed monthly | Bank connections | Projection | Dashboards |
|---|---|---|---|---|---|
| Free | $0 | $0 | No automatic feeds (Learn Centre); 2 accounts | 6 months | 2 |
| Foundation | $9.99/mo (about $119.88/yr) | $14.95/mo ($179.40/yr) | 6, from 1 country | 10 years | 6 |
| Flourish | $16.66/mo (about $199.92/yr) | $24.95/mo ($299.40/yr) | 18, all countries | 30 years | 18 |
| Fortune | $26.66/mo (about $319.92/yr) | $39.95/mo ($479.40/yr) | Unlimited, all countries | 60 years | Unlimited |
Monthly versus annual
Annual billing saves about a third on every tier: roughly $59.52 a year on Foundation, $99.48 on Flourish and $159.48 on Fortune. Monthly makes sense for your first one or two months while you confirm your banks connect, because the refund policy only guarantees a full refund in the first 14 days; after that, monthly plans get no refund and annual plans may get a refund for remaining full months on request.
PocketSmith also lists a family group discount of 40% on a monthly subscription for each family member added, and notes that this is larger than the 33% annual saving. Read the family groups guide for the exact mechanics before relying on it.
Decision table: the cheapest tier that works
| Household | Cheapest tier that fits | Why |
|---|---|---|
| Testing the app with sample data or two manual accounts | Free | No feeds needed; 2 accounts and 6-month projection |
| One country, checking, savings, 1 to 3 cards, a mortgage | Foundation | Up to 6 bank connections in 1 country |
| Expat with banks in two countries | Flourish | Foundation is limited to one country |
| Couple with many institutions (7 to 18 connections) | Flourish | 18 connections |
| Retirement planning past 30 years, or more than 18 connections | Fortune | 60-year projection, unlimited connections |
How to count your connections
The Foundation guide says "6 connected banks from 1 country" but does not define whether one login with several accounts counts once. List every institution you would connect, grouped by country, and if you are at the limit, ask PocketSmith before buying. Remember that a partner can join as a collaborator using a free account, so you do not need two paid plans to share one household.
Gaps
The Free plan guide in PocketSmith's Learn Centre says Free does not include automatic bank feed support, so treat Free as a manual-import plan. The Foundation guide does not define whether one bank login with several accounts counts as one connection, and the family group discount page does not say which tiers it applies to. Confirm both with PocketSmith before buying if they decide your tier.
Questions before you decide
Is there a PocketSmith free trial?
The plans page offers a 14-day money-back guarantee rather than a trial. Its refund article says cancelling or downgrading to Free within 14 days of purchase gets a full refund of the last payment.
How much does annual billing save?
The plans page shows "Save 33%". On Foundation, 12 monthly payments of $14.95 total $179.40 against about $119.88 billed annually, a difference of about $59.52.
What happens if I cancel an annual plan after 14 days?
PocketSmith says to contact it about a refund for the remaining full months; monthly plans cancelled after 14 days are not refunded, and you keep paid features until the period ends.
Follow the sources
- PocketSmith official plans page Checked Oct 29, 2026
- PocketSmith Learn Centre: The Free plan Checked Oct 29, 2026
- PocketSmith Learn Centre: The Foundation plan Checked Oct 29, 2026
- PocketSmith Learn Centre: Refund of your PocketSmith subscription Checked Oct 29, 2026
- PocketSmith Learn Centre: Family group discount Checked Oct 29, 2026
- PocketSmith Learn Centre: Collaborator shared access overview Checked Oct 29, 2026
- PocketSmith official features page Checked Oct 29, 2026
Provider terms can change. Recheck the linked source before applying or subscribing.