30% discount on all new PocketSmith annual plans, similar service to what PocketBook used to provide.
If you have an account already you can email them for a working code according to their FB page.
Referees get 1 free month of a premium plan. Referrers get 1 free month if referee upgrades to a paid plan.
+1 to this. Long time YNAB user but not sure if I can justify the cost when it renews in March.
I've been trying to work out how we could do ozbargain shares using the YNAB together feature that allows 6 accounts on the one subscription. The one roadblock with it is the admin account has the ability to see everybody elses budget.
Long time YNAB'ER also looking to jump ship to Pocket Smith.
Too many options. Would anyone recommend Pocketsmith?
I've been using PocketSmith for a good 4~5yrs, still very happy with them. Previously when they used Basiq for the internet banking that didn't always work well but now with CDR Open Banking feeds most of them are flawless, unless you have some obscure overseas financial institutions. I don't use some of their features like scenarios, but once you have your reports set up they are great. I like to use a 'rolling month' income & expense report as a speedometer on how i am tracking.
Can't go wrong. PocketSmith beats all the other personal finance tools by a mile (I've tried many).
They have lots of features but probably the thing that I like about them most…. Their bank feeds DON'T BREAK!
The most annoying thing with all these other vendors is after a few months, you get an email asking to "please re-connect". This rarely if ever happens with PocketSmith.
I thought YNAB was generally regarded as the best?
I use Frollo, its free. Has a few bugs but pretty good for a free app.
I use Frollo, but looking at changing to Pocket Smith. Big feature difference
I moved from Frollo to PocketSmith just over a month ago and very happy so far.
How safe is it to connect your bank details? Where do they store information?
they use third-party providers, who's sole core business is specializing in mapping bank feeds (like hundreds of different banks). A lot of banks have now moved to CDR Open Banking, which is actually a read-only format where the banks agree to sending transaction data officially (and PocketSmith supports this). That way it is much safer than the old way of giving the login details and screen scraping.
So, for big banks its via CDR Open Banking, for the more obscure ones they will still use a mapping company like Basiq & Salt Edge which tries to login on ur behalf & scrape the data into PS.
When you use CDR Open Banking, you create the feed in PS, a special pop up windows then asks you to login (this window is presented by the bank itself, not providing the login to a 3rd party). Then once u logged in the bank will ask if you consent to providing the feed data to PS, you click yes, and this feed lasts for 1year.
Previous Pocketbook user, moved over to Pocketsmith about 2 years ago. I love its ease of use in connecting my bank accounts as well its dashboards.
If you have an existing subscription you can try use this code: BLKFRI24-S1T-FD
It applied a 30% discount to my existing Foundation plan for the next billing cycle!
Alternatively, you can try add in the '-S1T-' code in the other coupon codes but I haven't tried them out.
Amazing - just applied to my foundation account and received 30% off at next renewal - cheers!
Thank you! Just in time for renewal tomorrow.
Genuinely curious and not sure here, What are the main features people use this app/subscription for other than bank transactions tracking and categorizing to help us understand how our budget is going each month/year?
Thanks in advance
I'd like to know too.
Another recommendation for Pocketsmith. I have had an account with them for almost 10yrs now but only started using them (paid) when Pocketbook went down. Overall a solid, configurable and customisable service. Also the devs have been very responsive to any feedback.
YNAB user for years, and yes the pricing just keeps going up and we miss out on the feeds.
Signed up to Pocketsmith for a look
They have a guide on YNAB to them. Going to get this going for December
https://www.pocketsmith.com/ynab-alternative/
Looks great, only crap thing is there's no trial that I can see and to take advantage of the discount you have to front a year.
I signed up for a trial then later got a popup offering the deal. My payment will start at the reduced price once the 1 month trial ends.
Does this also connect to super ?
Yeah, picked up my QSuper without issue
I haven't try it myself but if you follow this guide, you can sign up for a "Super" subscription for a monthly price of 55.99 Turkish Lira which is roughly equal $2.5. That would make a whole year plan of roughly $30.
Again I haven't tried it myself mainly because I don't know if I sign up for a Turkish price, would they let me bank feed from a Aussie Banks.
Unfortunately I don't think they expose the the in-app purchase anymore in the iOS app. At least I couldn't find it last time i tried.
It did for me. Can confirm that it works fine with Aussie Banks
I just bought the 50% off month. Can't seem to import my YNAB export though, just hangs there.
Where did you find the button to purchase in-app exactly? Last time I looked it was nowhere to be found. 🧐🤔
The 30% promo auto-applied for me when I clicked on the promo on the homepage to my existing account. Sweet!
I've been using PocketSmith for 2 years and it's OK but I'm on the edge of cancelling and just doing it myself in Excel and Power Bi Desktop (free). Even after 2 years, the auto-categorisation is buggy to no end, and the dashboards are still a mess and have seen limited improvement. Some of the Net Worth features are pretty neat though - including automatic depreciation, and linking loan accounts to assets.
You can have a look at HomeBank: https://www.gethomebank.org/en/index.php
It's free, I switched to this after Pocketbook. It took a while to get set up but it working well for me now, however I'm kinda getting over the having to login and download something like 8 accounts, so I might have a look at PocketSmith as I do miss the bank linking feeds.
If you’re a former YNAB user and have switched to PocketSmith I’d love to read about your experience.
YNAB is now a ridiculous $180 per year and you need to pay extra or know how to program to get Australian bank feeds.
PocketSmith looks great, especially with the Black Friday discount - the feeds, the asset tracking, the projections… but it doesn’t offer zero-based budgeting, which is a big deal if you’re a long time YNAB user.