Both put your cash flow on a calendar. The real differences are depth, price, and how much of your financial data you hand over.
Most budgeting apps organize your money into categories. PocketSmith doesn't — it's one of the few tools built around the same core idea as SteadyCash: put your income and expenses on a calendar so you can see what your balance will look like on a given future date, not just what happened last month. If you're comparing SteadyCash to something, PocketSmith is the one worth taking seriously.
Where they diverge is scope. PocketSmith is a full-featured, bank-connected forecasting platform built for a broad audience — multi-currency, up to 60 years of projection, custom dashboards, advisor sharing. SteadyCash is a narrower tool built for one specific problem: a freelancer or contractor needs to know if the money will be there before a bill hits, without connecting a bank account or paying monthly for it.
| PocketSmith | SteadyCash | |
|---|---|---|
| Core model | Calendar-based budgeting and forecasting, with automatic bank feeds | Calendar-based cash flow forecasting, with manual entry and recurring transactions |
| Data connection | Syncs with 14,000+ banks; data stored in PocketSmith's cloud | No bank connection; all data stored locally in your browser |
| Runway / "how long will this last" | Long-range balance projections (up to 60 years on the top plan) | Runway is a dedicated built-in metric — months of runway plus the projected date balance goes negative |
| Pricing | Free tier (2 accounts, 6-month projection); paid tiers $9.99–$26.66/month billed annually | $70 one-time purchase, no subscription |
| Multi-currency, advisor access, custom dashboards | Yes, on paid tiers | No — single-currency, single-user, no dashboard customization |
| Platform | Web, iOS, Android | Web (desktop and mobile browser) |
You want your bank accounts connected automatically, you're tracking finances across multiple currencies or a household, and you're fine paying monthly for a deeper, more configurable tool.
Your income is irregular, you'd rather not link your bank credentials to another service, and you want a straightforward runway number without a subscription or a learning curve.
PocketSmith is a genuinely capable product, and if you want automatic bank sync and long-range multi-currency planning, it does more than SteadyCash does. SteadyCash trades that breadth for simplicity, local-only data, and a price you pay once.
Yes, in the sense that both use a calendar to forecast cash flow rather than categorize past spending. SteadyCash is the narrower, cheaper, privacy-focused version of that idea; PocketSmith is the broader, bank-connected, subscription version. Which one fits depends on whether you want depth or simplicity.
No. SteadyCash doesn't connect to your bank at all — you enter transactions and recurring items manually, and everything is stored locally in your browser. That's a deliberate trade-off: no bank credentials shared with a third party, at the cost of automatic import.
Yes. SteadyCash is a one-time $70 purchase. PocketSmith's paid tiers run from about $9.99 to $26.66 a month billed annually (more month-to-month), so it can cost more than SteadyCash within the first year, and continues billing every year after that. PocketSmith also has a free tier with reduced limits (2 accounts, 6-month projection).
PocketSmith projects your balance forward, up to 60 years on its top plan, which covers similar ground. SteadyCash's runway is a dedicated, always-visible metric — months of runway and the specific date your balance would go negative — rather than a projection you read off a longer chart.
SteadyCash gives you a cash flow calendar, runway forecasting, and budget tracking — built for irregular income. One-time purchase. No subscription.
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