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title: "PocketSmith Review Australia 2026 — Is It Worth It? | PayByRoster"
description: "An honest review of PocketSmith for Australians. Features, pricing, and who it's best for — including FIFO workers, salaried employees, and anyone managing variable income."
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Guides & Info

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# PocketSmith — Know Where Your Money Goes

You've calculated your take-home pay. Now track where it actually goes. PocketSmith is Australia's most powerful budgeting and forecasting app.

[Try PocketSmith Free](https://my.pocketsmith.com/plans?ref=otk5njg) [See Pricing ↓](#pricing)

378,000+

Users Worldwide

12,000+

Banks Connected

17 Years

Running

No Ads.

Ever.

## Everything You Need to Manage Your Money

### Automatic Bank Feeds

Connect all your Australian bank accounts securely via Open Banking. Transactions import and categorise automatically — CommBank, ANZ, NAB, Westpac, ING and more.

### Cashflow Forecasting

See your projected daily bank balance up to 30 years into the future. Perfect for FIFO workers and roster-based earners planning between pay cycles.

### Budget Calendar

Schedule bills, salary credits, and irregular expenses on a visual calendar. See exactly when money comes in and goes out.

### Net Worth Tracking

Connect bank accounts, super, investments, property, and loans in one place. See your complete financial picture.

### Multi-Currency Support

Track accounts in multiple currencies with automatic daily conversion. Ideal for FIFO workers who spend overseas.

### Bank-Level Security

Two-factor authentication on all plans. No ads, no data selling. Your financial data stays private.

## Who Is PocketSmith Best For?

### FIFO & Roster Workers

Irregular pay cycles, multiple allowances, and variable income are exactly what PocketSmith's calendar and forecasting tools handle best.

### Salaried Employees

Set up once, let it run. Automatic bank sync means your spending categorises itself and your dashboard stays current without effort.

### Savings Goal Planners

Whether saving for a house deposit, car, or emergency fund — the forecasting tool shows exactly when you'll hit your target.

## Simple, Transparent Pricing

Start free. Upgrade when you're ready.

### Free

$0 /month 

Manual entry, basic budgeting, limited accounts

[Go to Website](https://my.pocketsmith.com/plans?ref=otk5njg)

Most Popular 

### Foundation

$9.99 /month 

Bank feeds, automatic sync, 6-month forecast

[Go to Website](https://my.pocketsmith.com/plans?ref=otk5njg)

### Flourish

$16.66 /month 

Longer forecasting, unlimited accounts

[Go to Website](https://my.pocketsmith.com/plans?ref=otk5njg)

### Fortune

$26.66 /month 

Full forecasting up to 30 years, all features

[Go to Website](https://my.pocketsmith.com/plans?ref=otk5njg)

## Our Honest Take

### What We Love

-   Connects to all major Australian banks via Open Banking 
-   Cashflow forecasting is best-in-class — nothing else comes close 
-   Free plan available to try before committing 
-   No ads, no data selling — your financial data stays private 
-   Works across web and mobile 
-   Active support team, 17 years of continuous development 

### Worth Knowing

-   Free plan is limited — Foundation ($9.99/mo) unlocks full value 
-   More features than simpler apps — small learning curve initially 
-   Best forecasting features are on higher-tier plans 

## Ready to See Where Your Money Goes?

Join 378,000+ people using PocketSmith to take control of their finances.

[Try PocketSmith Free](https://my.pocketsmith.com/plans?ref=otk5njg)

PayByRoster may earn a commission if you sign up to PocketSmith via links on this page, at no extra cost to you. We only recommend tools we believe genuinely help our audience.

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