Can I open-source PocketSmith?
YES · mature open-source replacementYes. Firefly III (20k stars), Actual Budget (20k stars), Money Manager Ex (2k stars) are mature open-source replacements for PocketSmith — self-host in one command and stop paying $14.95/mo.
People still pay for PocketSmith because people pay because accurate money records and dependable institution connections are worth more than the visible charts. The recurring cost buys import normalization, reconciliation, rule drift, exchange rates, backups, audit trails, tax changes, bank APIs, and support, not just the visible interface.
xbank feeds, multi-currency data, forecasting depth, sync, and support
xdirect bank feeds
xtax filing guarantees
xpayroll and payments
xaccountant ecosystem and support
These projects already replace it, free.
MMoney Manager ExImported transactions, categories and cash-flow forecasts without a subscription; calendar presentation is the loss.open source↗KKMyMoneyImports, categorisation and cash-flow forecasting on the desktop; the forecast is not dressed as a calendar.open source↗FFirefly IIIPersonal finance manager with budgets, rules, and reports — your money data stays home.open source↗What each one is, in full: Firefly III
all 4 open-source alternatives to PocketSmith →· no votes, no pay-to-list · just what's real
PocketSmith pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| free | $0 | $0 | 2 accounts; 12 budgets; 2 dashboards; 6-month forecast; 250 MB file storage |
| foundation | $14.95 | $9.99 | 6 connected banks in 1 country; 6 dashboards; 10-year forecast; unlimited accounts and budgets; 3 GB files |
| flourish | $24.95 | $16.66 | 18 connected banks across countries; 18 dashboards; 30-year forecast; unlimited accounts and budgets; 15 GB files |
| fortune | $39.95 | $26.66 | Unlimited connected banks, dashboards, accounts and budgets; 60-year forecast; 50 GB files; priority email support |
free tier2 accounts; 12 budgets; 2 dashboards; 6-month forecast; 250 MB file storage
billingmonthly + annual (annual plans advertised as 33% lower); 14-day money-back guarantee
hidden costsNo conventional free trial is stated; the paid-plan safety net is a 14-day money-back guarantee. Downgrading to Free takes effect immediately unless paid features are re-enabled through term end.
verified 2026-08-13 · source ↗
Can I open-source PocketSmith?
Yes. Money Manager Ex replaces PocketSmith today — self-host it on your own server or machine with no subscription. The full list of open-source alternatives is on this page.
How much does PocketSmith cost?
PocketSmith costs about $14.95/month (Foundation, checked 2026-08-13), which is $179.4 per year. That's what you save by replacing it with open source.
What do I lose by replacing PocketSmith?
Honestly: bank feeds, multi-currency data, forecasting depth, sync, and support; direct bank feeds; tax filing guarantees; payroll and payments; accountant ecosystem and support. If any of those are load-bearing for you, keep paying.
Is there an open-source alternative to PocketSmith?
Yes: Money Manager Ex (Imported transactions, categories and cash-flow forecasts without a subscription; calendar presentation is the loss.) KMyMoney (Imports, categorisation and cash-flow forecasting on the desktop; the forecast is not dressed as a calendar.) Firefly III (Personal finance manager with budgets, rules, and reports — your money data stays home.) All 4 curated open-source alternatives are at caniopensourceit.online/pocketsmith/alternatives.