PocketSmith alternative for Europe.
PocketSmith is the strongest cash-flow forecaster in this category. Its calendar projects balances up to 30 years out, and its scenario tools are mature and well built.
The catch for anyone banking in Europe: PocketSmith's automatic feeds run through Yodlee and direct connections covering the US, UK, Australia, New Zealand and Canada. A German, Swedish or Dutch account means manual CSV imports, forever. Wealthos connects 3,000+ EU and UK banks through regulated Open Banking, and forecasts on top of what it reads.
Why people look for a PocketSmith alternative.
This is the closest comparison on the site, so it deserves a straight answer. If you bank in the US, UK, Australia, New Zealand or Canada, PocketSmith is excellent and you should probably keep it. The case for switching is specific to continental Europe.
Your banks are not on the list
PocketSmith's automatic feeds do not cover eurozone retail banks. An account at N26, Nordea, ING or Danske means exporting CSVs by hand, every month, forever.
Multi-country costs you the top tier
Foundation connects 6 banks from one country. Connecting banks across countries — the entire expat situation — needs Flourish at $199.92 a year.
A forecast is only as good as its inputs
A 30-year projection built on balances you typed in last quarter is a 30-year projection of stale data. Ours is shorter and live.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs PocketSmith.
| Feature | Wealthos | PocketSmith |
|---|---|---|
| Built for | Professionals living across Europe | US, UK, AU, NZ and CA households |
| Bank coverage | 3,000+ EU and UK banks via Open Banking (PSD2) | 14,000+ institutions, but only US, UK, AU, NZ, CA |
| Eurozone bank feeds | Yes — Germany, France, Nordics, Benelux, Iberia and more | No — manual import only |
| Forecast horizon | 10 years | Up to 30 years (deeper — see below) |
| Forecast model | Discrete life events, scenarios compared side by side | Calendar cash-flow projection with what-if scenarios |
| Currencies | EUR, GBP, CHF, DKK, SEK, PLN + more — auto-converted at live rates | Native multi-currency, any base currency |
| Budgeting depth | Expense tracking and plans | Deeper — calendar budgets, rules (stronger here) |
| AI assistant | Built-in, plus 46 MCP tools for Claude / ChatGPT / Cursor | No |
| Runs entirely offline | Yes — Wealthos Local, one-time €45 | No — cloud only |
| Data residency | EU infrastructure, GDPR | New Zealand / US |
| Pricing | €7/mo or €63/yr — one tier | Free tier; $119.88–$319.92/yr across three paid tiers |
PocketSmith has a genuinely useful free tier: manual imports, two accounts, six months of projection. Paid plans are Foundation at $119.88 a year (bank feeds, 6 banks from one country, 10-year projection), Flourish at $199.92 (18 banks across all countries, 30-year projection) and Fortune at $319.92. An expat with accounts in two countries needs Flourish. Wealthos is €7 a month or €63 a year, one tier, everything included. Prices checked August 2026 — verify at the source before relying on them.
When PocketSmith is the right pick.
PocketSmith is the strongest product we compare against, and on the thing we lead with. It forecasts further than we do, it has been doing it for over a decade, and its scenario engine is mature. Specifically:
- A 30-year projection horizon on Flourish, against our 10.
- The calendar view of future cash flow is genuinely the best in this category.
- Deeper budgeting: repeating budgets, rules, and a longer track record of getting the details right.
- A real free tier, which we do not offer.
If your banks are covered and you want the deepest projection available, PocketSmith is the better product. We would rather say that than pretend otherwise.
Who should switch to Wealthos.
Wealthos is the better choice if:
- You bank anywhere in the eurozone, where PocketSmith cannot reach your accounts automatically.
- You hold accounts in more than one country and do not want to pay for the top tier to connect them.
- You think in decisions — a move, a house, a child — rather than in monthly cash-flow calendars.
- You want an AI assistant that can read and write your real financial data.
- You want the option of keeping everything in a file on your own machine.
How to move from PocketSmith.
About 20 minutes, and you can run both for a month.
- 01Export from PocketSmith — Settings → Export, which gives you CSVs per account.
- 02Start your free Wealthos trial — 7 days, no card.
- 03Connect your European banks through Open Banking; you log in at your bank, not here.
- 04Import the PocketSmith CSVs if you want the history — or paste them to an assistant connected to the Wealthos MCP server and let it create the entries.
- 05Keep PocketSmith running alongside for a cycle and compare the two forecasts before cancelling.
We suggest overlapping deliberately. If PocketSmith's forecast is more useful to you, that is worth finding out before you cancel it.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as PocketSmith — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.