Summary
PocketSmith is the best cash-flow calendar on the market — 30-year forecasts, multi-currency, and scenario modeling.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Summary
Clarity trades that forecasting depth for a broader financial picture: crypto, investments, AI categorization, and unified net worth across every account type.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose Clarity if
Unified tracking: banks, crypto, DeFi, and investments with AI
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose Clarity if
Hybrid investors with both traditional and crypto assets
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose Clarity if
Privacy-conscious users who want full data deletion
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose Clarity if
Users who need a single net worth view across all accounts
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose Clarity if
Crypto holders who need cost basis tracking for taxes
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose PocketSmith if
Long-range cash-flow forecasting with multi-currency support
Background links
- PocketSmith website - Official product site
- Clarity website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose PocketSmith if
Long-range cash-flow planners who want a forecast calendar
Background links
- PocketSmith website - Official product site
- Clarity website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose PocketSmith if
Multi-currency users tracking international accounts
Background links
- PocketSmith website - Official product site
- Clarity website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Choose PocketSmith if
Users who want projected balances months or years ahead
Background links
- PocketSmith website - Official product site
- Clarity website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: coverage
Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard.
Background links
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: coverage
PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
Background links
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: reliability
Automatic retry logic and connection health monitoring with proactive alerts.
Background links
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: reliability
PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
Background links
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: pricingPredictability
Flat $99/year or $12/mo — one tier, all features included.
Background links
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: pricingPredictability
Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
Background links
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: dataFreshness
Multiple automatic syncs per day with on-demand refresh across all account types.
Background links
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: dataFreshness
Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
Background links
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: historicalDepth
Imports up to 24 months of transaction history from connected institutions.
Background links
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: historicalDepth
PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
Background links
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: exportReporting
CSV export, spending breakdowns, net worth charts, and portfolio performance views.
Background links
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: exportReporting
PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
Background links
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: privacySecurity
Read-only connections, encryption at rest, no ad tech, and no data sales. Closing an account triggers full data deletion.
Background links
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: privacySecurity
PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Background links
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Rubric: developerExperience
No public API yet. CSV exports available for external integration.
Background links
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Rubric: developerExperience
PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Background links
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Deep dive: coverage
Clarity unifies every account type into one dashboard: checking, savings, credit cards, brokerages, 401(k)s, IRAs, crypto exchanges, and on-chain wallets. You see cost basis, portfolio performance, DeFi positions, and net worth across traditional and crypto assets simultaneously.
Background links
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: coverage
PocketSmith excels at bank and cash-flow coverage across many countries. It connects to thousands of banks via Plaid and direct feeds in NZ, AU, UK, CA, and US. It does not support crypto exchanges, on-chain wallets, DeFi positions, or investment portfolio performance analytics.
Background links
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: coverage
PocketSmith covers the cash and bank side deeply. Clarity adds the investment, crypto, and DeFi layer that PocketSmith doesn't support.
Background links
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: pricingPredictability
Clarity is one price: $99/year or $12/month. All features — banks, brokerages, crypto, DeFi, AI categorization, tax reports, and market data — are included. No tier gymnastics.
Background links
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: pricingPredictability
PocketSmith has four tiers that differ in account limits, forecast horizon, and sync cadence. The free tier allows 2 accounts and a 6-month forecast — barely useful. Real-time bank auto-import requires Premium ($14.95/mo). Developer API access requires Super ($27.95/mo). Useful features are spread across tiers in ways that push active users toward the higher plans.
Background links
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: pricingPredictability
Clarity is simpler to price: one flat rate, all features. PocketSmith's tier structure makes it easy to pay more than expected as your account count or feature needs grow.
Background links
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: reliability
Clarity monitors connection health continuously and retries failed syncs automatically. Users get alerts before connections go stale.
Background links
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: reliability
PocketSmith supports both direct bank feeds and Plaid. Direct feeds can be more fragile — especially outside the US — and users occasionally need to re-authenticate or re-import when bank-side changes break the feed.
Background links
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: reliability
Clarity's proactive monitoring gives it an edge. PocketSmith's connection reliability varies by institution and region.
Background links
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: dataFreshness
Clarity syncs all accounts multiple times daily and supports on-demand refresh for both bank and crypto connections.
Background links
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: dataFreshness
Automatic real-time bank feed import is a PocketSmith Premium feature. Users on the Free or Plus tier need to manually upload OFX or CSV files to update their data, which means the forecast can lag real account activity.
Background links
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: dataFreshness
Clarity delivers fresh data to all users automatically. PocketSmith requires a Premium subscription to get the same automatic sync that Clarity provides at its base price.
Background links
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: historicalDepth
Clarity imports up to 24 months of transaction history from connected institutions — enough for most budgeting and trend analysis use cases.
Background links
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: historicalDepth
PocketSmith retains all imported history indefinitely, which feeds its long-range forecast calendar. Users who import years of bank statements can see decade-long cash flow charts.
Background links
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: historicalDepth
PocketSmith wins on historical depth, especially for users who manually build multi-year histories. Clarity's 24-month window is sufficient for typical use cases but shorter for long-range forecasting.
Background links
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: exportReporting
Clarity exports CSV and provides spending breakdowns, net worth history, and portfolio performance charts covering both traditional and crypto assets.
Background links
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: exportReporting
PocketSmith exports OFX, QIF, and CSV. Its reporting is strong for cash flow and budgets — you can visualize account balances across a 30-year timeline. Investment performance and crypto reports are not available.
Background links
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: exportReporting
PocketSmith's cash-flow reporting is deeper. Clarity's reporting is broader — covering investments, crypto, and portfolio performance that PocketSmith doesn't touch.
Background links
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: developerExperience
Clarity doesn't yet offer a public API. CSV exports provide a basic path to external tools and spreadsheets.
Background links
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Deep dive: developerExperience
PocketSmith has a documented developer API, but accessing it requires the Super tier at $27.95/month — a significant premium to add programmatic access to what is otherwise a consumer budgeting app.
Background links
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Deep dive: developerExperience
PocketSmith technically has an API, but it's locked behind the highest pricing tier. Clarity's CSV path is free but limited to export-only.
Background links
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
Deep dive: privacySecurity
Clarity uses read-only bank connections, encrypts data at rest, and has no advertising or data monetization. Account closure triggers complete data deletion.
Background links
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: privacySecurity
PocketSmith is a legitimate, established company with a published privacy policy and secure connections. It doesn't explicitly commit to full data deletion on closure or provide the same level of data-ownership transparency that Clarity does.
Background links
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
Deep dive: privacySecurity
Both products are trustworthy. Clarity is more explicit about data deletion and data-control policies.
Background links
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
FAQ: Does Clarity have a cash-flow forecast like PocketSmith?
Clarity focuses on real-time net worth, portfolio tracking, and spending analytics rather than long-range cash flow projection. If the 30-year forecast calendar is your primary use case, PocketSmith is the better tool. Clarity is stronger when you need crypto, investment cost basis, and a unified cross-asset dashboard.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
FAQ: Can Clarity handle multi-currency accounts like PocketSmith?
Clarity supports accounts in major currencies and converts balances to your home currency for net worth calculations. PocketSmith has deeper multi-currency capabilities with historical exchange rates and foreign account coverage in NZ, AU, and the UK. For primarily US-based users this difference is negligible; for international users PocketSmith's currency support may be a meaningful advantage.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
FAQ: Is Clarity more expensive than PocketSmith?
At first glance PocketSmith's Plus tier ($9.95/mo) is cheaper than Clarity ($12/mo or $99/year). But useful features like auto-import and real-time sync require PocketSmith's Premium tier ($14.95/mo), which brings the price above Clarity's annual rate. Clarity also includes crypto tracking, investment portfolio analytics, and AI categorization — categories PocketSmith doesn't cover at any price.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.
FAQ: Does PocketSmith support crypto?
PocketSmith does not support crypto exchanges, on-chain wallets, or DeFi positions. You can manually enter a crypto balance as a custom account, but there is no automatic sync, no cost basis tracking, and no Form 8949 export. Clarity covers all of those natively.
Background links
- Clarity website - Official product site
- PocketSmith website - Official product site
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- PocketSmith product
- PocketSmith pricing
- PocketSmith developer API
- PocketSmith help centre
- PocketSmith privacy policy
- PocketSmith terms of service
- Rubric evidence: PocketSmith coverage - PocketSmith connects bank accounts and credit cards across NZ, AU, UK, CA, and the US via direct connections and Plaid. No crypto exchanges, DeFi, or investment portfolio performance.
- Rubric evidence: PocketSmith reliability - PocketSmith offers both direct connections and Plaid; direct feeds can lag or break during bank-side changes, particularly for non-US institutions.
- Rubric evidence: PocketSmith pricingPredictability - Four tiers (Free, Plus ~$9.95/mo, Premium ~$14.95/mo, Super ~$27.95/mo) differentiated by account limits and forecast horizon. Free tier allows only 2 accounts and a 6-month forecast. Auto-import and real-time sync require Premium or above.
- Rubric evidence: PocketSmith dataFreshness - Automatic bank feed import is a Premium+ feature. On lower tiers, users manually import OFX/CSV files. Sync cadence varies by institution and connection type.
- Rubric evidence: PocketSmith historicalDepth - PocketSmith retains all imported history indefinitely and can display it on its calendar. Users who manually import files can build multi-year records that feed the forecasting engine.
- Rubric evidence: PocketSmith exportReporting - PocketSmith exports OFX, QIF, and CSV. Reporting is centered on cash flow, budgets, and spending — investment performance and crypto reports are absent.
- Rubric evidence: PocketSmith privacySecurity - PocketSmith publishes a privacy policy and uses bank-grade TLS. No public commitment to full data deletion on account closure. NZ-based company subject to GDPR for EU/UK users and NZ Privacy Act.
- Rubric evidence: PocketSmith developerExperience - PocketSmith offers a developer API (developers.pocketsmith.com) but it is only accessible on the highest Super tier ($27.95/mo). Read and write access to accounts and transactions.