Comparisons
A PocketSmith alternative you pay for once
PocketSmith is a strong choice if you want bank feeds from many countries, or none at all, and a balance projected years ahead; it has a free plan and runs without feeds too. Tobsy is for someone who would rather pay once than each month, keep the data in a Google Sheet they own, and see the next six months as a range rather than a single line: A$59, after thirty days free.
· 3 min read
Side by side
The PocketSmith column comes from PocketSmith's own pages, read on 13 October 2026. The Tobsy column is on this site.
| PocketSmith | Tobsy | |
|---|---|---|
| Price | Free plan. Foundation A$14.95 a month or A$9.99 a month billed yearly; Flourish A$24.95 or A$16.66; Fortune A$39.95 or A$26.66. 14-day money-back guarantee | A$59 once. No subscription and no renewal |
| Free option | Free plan: 2 accounts, 12 budgets, 6 months' projection, feeds and manual imports | Thirty days free, every screen. An email address and nothing else |
| Bank connection | Optional feeds; paid plans connect 6, 18 or unlimited banks | None, by design. Quick entry, CSV statement import, or a screenshot read on your device |
| Where its feeds work | Yodlee worldwide (12,000+ institutions), Plaid in the US and Canada, Salt Edge in the UK and EU, Akahu in New Zealand, Basiq and Mastercard in Australia | No feed, so no country list. Any currency, with dates and numbers in your country's format |
| Without feeds | Yes: manual and offline accounts | Manual is the design |
| Budgeting | Budgets per category, daily, weekly, monthly and more, which feed the forecast | Intentions: flexible. Zero-based, envelope-style rollover, 50/30/20 or any percentages |
| Where the data lives | PocketSmith's servers | A Google Sheet in your own Drive |
| Households | Collaborators: both need an account, with "full permissions", managed in the web app | Up to six people, two households, splits global or per category, settle-up, and one private category each |
| Forecast | One projected balance from your budgets: daily for three months, then weekly, out to 10, 30 or 60 years by plan | Six months ahead, shown as a range |
| Platforms | Web, iOS and Android | Any phone, tablet or computer |
| Currencies | 166 | Any currency, with the rate frozen on the day |
| Languages | Not stated on the pages read | English, Spanish, Portuguese, Italian, German, Dutch and French |
The closest in spirit
Of the big money apps, PocketSmith is the nearest to Tobsy: it runs by hand if you like, it handles many currencies, and it looks ahead. The honest differences are three. Tobsy is one payment rather than a subscription. Your data lives in a Google Sheet in your own Drive rather than on a company's servers. And Tobsy's forecast is six months shown as a range, built from your own history, where PocketSmith draws a single projected line from your budgets, much further out.
If you want feeds, PocketSmith has them in more countries than most. They carry their own checking: Plaid, its North American connector, says a pending payment that posts "will appear as a separate transaction", so a statement is cross-checked either way.
Budgeting and households
Budgeting in Tobsy is called Intentions. Set an intention per category in dollars or as a percent of income, see what is left against your income, and turn on rollover where you want it. A Savings floor lets you pay yourself first, and goals show a suggested amount a month.
PocketSmith shares an account with a collaborator who can do everything you can. Tobsy gives each person their own share in one copy: shared costs split the way you choose, the settle-up worked out, and one private category each. See for couples and families.
Sources
- PocketSmith plans — prices in AUD, the free plan, connected banks and projection length per plan, the 14-day money-back guarantee, 2026-10-13
- PocketSmith security — Yodlee (12,000+ institutions), Plaid (US and Canada), Salt Edge (UK and EU), Akahu (New Zealand), Basiq and Mastercard (Australia), 2026-10-13
- PocketSmith home page — web, iOS and Android apps; balances "up to 60 years into the future", 2026-10-13
- PocketSmith Learn Centre: Getting started FAQ — using PocketSmith without bank feeds or bank files, 2026-10-13
- PocketSmith Learn Centre: Using the Calendar and Forecast graph — the forecast from budgets, daily for three months then weekly, 2026-10-13
- PocketSmith Learn Centre: Budgets — budgets per category, daily, weekly, monthly and more, 2026-10-13
- PocketSmith Learn Centre: Collaborators — both need an account, "full permissions", web app only, 2026-10-13
- PocketSmith blog: multiple currency support — "166 currencies supported", 2026-10-13
- Plaid docs: Transactions troubleshooting — a posted transaction "will appear as a separate transaction", 2026-10-13
- Tobsy: For couples and families — up to six people, two households, splits, settle-up, a private category, 2026-10-13
- Tobsy: Staying ahead — intentions in dollars or percent, rollover and roll-under, the six-month forecast as a range, 2026-10-13
- Tobsy: Privacy by design — no Tobsy server for money data, the small key server, 2026-10-13
Questions
Does PocketSmith work without bank feeds?
Yes. Its Learn Centre says you can use it without bank feeds or bank files, with manual accounts. Tobsy is built that way from the start, with quick entry that learns your shops and a screenshot or statement to catch up.
Which costs less over time?
PocketSmith has a free plan, and its paid plans start at A$9.99 a month billed yearly. Tobsy is A$59 once, after thirty days free, and your key does not expire.
Does PocketSmith have Australian bank feeds?
Yes. Its security page names Basiq and Mastercard for Australia, through the Consumer Data Right. Tobsy has no feed, by design.
Can I budget the same way in Tobsy?
Yes. An intention per category in dollars or as a percent of income, with what is left shown against your income. Zero-based, envelope-style rollover or 50/30/20 all fit.
Where is my data kept?
In a Google Sheet in your own Google Drive. No Tobsy server stores your entries; one small server holds only your email and your key.
Thirty days free
Try it, or look around first.
The demo is the real app with fourteen months of sample entries. The trial is every screen, for thirty days, with your own.
About ten minutes to set up, once, on a computer. You’ll need a Google account. A$59 after the trial, if you want to keep it.