The short version
PocketSmith has a Free plan, then Foundation at $14.95 a month ($9.99 a month on annual billing, $119.88 a year), Flourish at $24.95 and Fortune at $39.95 a month. There is no free trial of the paid plans, only a 14-day money-back guarantee.[1]
- 1
PocketSmith: A free plan, forecasting, paid from $119.88 a year
- 2
Monarch Money: $99.99 a year, a free week, a partner included
- 3
Wonderful: Two people who keep their own money, $99 a year for both
PocketSmith plans and prices
The plans page, read November 8, 2026, shows four plans. Prices are per month, with a lower rate on annual billing. The yearly total in the table is twelve times the annual rate.[1] The page says annual billing saves 33%.
| Plan | Monthly | Yearly | A month, paid yearly | What it is |
|---|---|---|---|---|
| Free[1] | Free | Free | — | 2 accounts, 12 budgets, a 6 month forecast and 2 dashboards. The plans page lists automatic bank feeds and manual imports. |
| Foundation[1] | $14.95 | $119.88 | $9.99 | $14.95 a month billed monthly, or $9.99 a month on annual billing. Unlimited accounts and budgets, a 10 year forecast, 6 bank connections in one country. |
| Flourish[1] | $24.95 | $199.92 | $16.66 | The page's "most popular" plan. $24.95 a month billed monthly, or $16.66 a month on annual billing. A 30 year forecast, 18 bank connections in all countries. |
| Fortune[1] | $39.95 | $319.92 | $26.66 | $39.95 a month billed monthly, or $26.66 a month on annual billing. A 60 year forecast, unlimited bank connections and dashboards, priority email support. |
A Free plan with 2 accounts, 12 budgets, a 6 month forecast and 2 dashboards.[1] Paid plans lift the limits: Foundation has 6 bank connections from one country, Flourish 18 from any country, Fortune unlimited.[1]
The iPhone app's listing shows in-app purchases of Premium at $10.99 and Super at $18.99, with monthly prices of $14.49 and $28.49 in its description, which are not the plan names or prices on the website.[3]
Trial and refunds
The plans page says "Try risk free with a 14-day money back guarantee" and that annual billing saves 33%. It states no free trial of the paid plans.[1]
What PocketSmith costs for two
The plans page describes "collaborator access" for sharing with "a partner, family member or coach". It does not say what a collaborator can see or whether it costs extra.[1] So we can't say whether a partner is free. If both of you need full access, ask PocketSmith before you pay.
PocketSmith compared with other apps
- Copilot Money$95
- Wonderful$99
- Monarch Money$99.99
- Lunch Money$100
- YNAB (You Need A Budget)$109
- PocketSmith$119.88
The cheapest regular way to pay for a year on each app's own pages. PocketSmith is shown at its Free plan, which has limits; its cheapest paid plan is $119.88 a year.
- Lunch Money: $10/mo or $100/yr.
- Monarch Money: $14.99/mo or $99.99/yr.
- YNAB: $14.99/mo or $109/yr.
More in all budgeting app prices compared.
Where Wonderful fits
We make Wonderful, so weigh this accordingly. It is $14.99 a month or $99 a year for both partners, where each person connects their own bank and chooses what the other sees. It has no free plan after a free week or a $1 first month, runs in the browser with no iPhone or Android app yet, and gives no investment advice. If you want PocketSmith's long forecasts or a free plan, it is the closer fit.
Questions people ask
How much does PocketSmith cost?
Foundation is $14.95 a month, or $9.99 a month on annual billing ($119.88 a year). Flourish is $24.95 a month or $16.66 on annual billing. Fortune is $39.95 a month or $26.66 on annual billing. Prices checked on PocketSmith's plans page on November 8, 2026.
Is PocketSmith free?
There is a Free plan with 2 accounts, 12 budgets, a 6-month forecast and 2 dashboards.
Does PocketSmith have a free trial?
The plans page states no free trial. It offers a 14-day money-back guarantee instead.
Can I share PocketSmith with my partner?
The plans page lists collaborator access for a partner, family member or coach. It does not say whether that costs extra or what a collaborator sees.
Is monthly or yearly cheaper?
Yearly. The page says annual billing saves 33%. Foundation is $119.88 a year against $179.40 for twelve months paid monthly.
Sources
38 sources · read November 8, 2026
Every number on this page comes from my.pocketsmith.com, pocketsmith.com, apps.apple.com and 12 more. If a source has changed since, the source is right.
- 1PocketSmith plans and pricingmy.pocketsmith.com
- 2PocketSmith homepocketsmith.com
- 3PocketSmith Sidekick on the App Storeapps.apple.com
- 4PocketSmith Sidekick App Store reviewsapps.apple.com
- 5Wonderful terms of servicewonderful.money
- 6Wonderful privacy policywonderful.money
- 7Wonderfulwonderful.money
- 8Monarch pricingmonarch.com
- 9Monarch on the App Storeapps.apple.com
- 10Monarch on Google Playplay.google.com
- 11Monarch home pagemonarch.com
- 12Monarch for couplesmonarch.com
- 13Monarch collaborationmonarch.com
- 14Monarch budgetingmonarch.com
- 15Monarch planningmonarch.com
- 16Apple public review feed for Monarchitunes.apple.com
- 17Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 18Trustpilot, www.monarchmoney.comtrustpilot.com
- 19YNAB pricingynab.com
- 20YNAB featuresynab.com
- 21The YNAB methodynab.com
- 22YNAB on the App Storeapps.apple.com
- 23YNAB on Google Playplay.google.com
- 24Apple public review feed for YNABitunes.apple.com
- 25YNAB: Using YNAB as Partnerssupport.ynab.com
- 26Trustpilot, ynab.comtrustpilot.com
- 27Lunch Money help center welcomesupport.lunchmoney.app
- 28Lunch Money blog: The Least Annoying Price Increase in History (Oct 16, 2024)lunchmoney.app
- 29Lunch Money help center: Getting startedsupport.lunchmoney.app
- 30Lunch Money blog: 11 Lunch Money Features You Should Be Usinglunchmoney.app
- 31Hacker News search for Lunch Money commentshn.algolia.com
- 32Lunch Money on the App Storeapps.apple.com
- 33Lunch Money pricinglunchmoney.app
- 34Copilot Money homecopilot.money
- 35Copilot Money pricingcopilot.money
- 36Copilot Money FAQcopilot.money
- 37Copilot on the App Storeapps.apple.com
- 38Apple public review feed for Copilotitunes.apple.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.