PocketSmith is a power-user tool built around long-range cash flow forecasting, multi-currency support and deep customisation, with a learning curve to match. Cleer Money is a simple, single-purpose awareness app. Choose PocketSmith if you want to model your finances years ahead across many accounts. Choose Cleer Money if you want quick clarity on everyday spending without the complexity.
Side by side
| Feature | Cleer Money | PocketSmith |
|---|---|---|
| Approach | Wants vs needs awareness | Forecasting, budgeting, net worth planning |
| Forecasting | No | Yes, up to 30 years or more on top tiers |
| Price | $6.99/mo or $69.99/yr AUD | Free tier, then paid tiers from about $9.99, $16.66 and $26.66/mo billed annually (listed in USD, confirm currency) |
| Learning curve | Minimal | Steep, power-user oriented |
| Categorisation | Wants vs needs, learns preferences | Rule based, user-created rules |
| Multi-currency | No | Yes |
| Platform | iOS | Web focused, plus iOS and Android |
| Region | Australia | Global, AU feeds via Basiq |
Competitor details last checked: 7 July 2026. PocketSmith's pricing appears on a global page and may be in USD, so confirm the AUD-facing price and current tiers before you rely on this.
Where PocketSmith is stronger
Long-range calendar-based forecasting, multi-currency support, unlimited accounts on higher tiers, a free manual tier and very deep reporting and customisation for people who want to plan decades ahead. For serious planners, Cleer Money does not try to compete here.
Where Cleer Money is different
It does one thing simply. No forecasting engine, no rule building, no dashboards to configure. Just automatic import and a want or need decision. The case for that simplicity is in the money awareness method.
The short version
- Choose PocketSmith if you are a planner or power user who wants forecasting and control.
- Choose Cleer Money if you want fast, low-effort spending awareness.
Next: compare with YNAB, read the FAQ, or browse all budgeting alternatives in Australia.