Pigget or PocketSmith: envelope focus or global forecasting?

Short verdict

Pigget is the narrower product and still a beta. PocketSmith is the broader financial system, with more platform reach and published paid tiers. The best choice depends on whether the household's main problem is deciding what money should do now or modeling where the whole financial picture may go.

Pigget vs PocketSmith at a glance

Prices and feature limits can change. PocketSmith prices are published in Australian dollars. Facts checked 20 August 2026.

Two different answers to “What is my money doing?”

Pigget begins with available money and asks which category should receive each unit. Targets, expected income, transaction review, and reports support that envelope plan. The method is intentionally prescriptive enough to guide a household's routine.

PocketSmith accepts a broader range of budgeting styles. Its calendar makes recurring and one-off budget events visible over time, while dashboards and forecasts connect current accounts to a projected future. That flexibility is useful when the user wants one system for a wide financial view; it may feel heavier to someone who mainly wants a clear weekly spending plan.

Choose based on the recurring decision. If it is “What can we safely spend from this category?”, Pigget's envelope focus is the cleaner fit. If it is “How might all of these accounts and planned events affect us years from now?”, PocketSmith is designed around that question.

Both take cross-border money seriously

Pigget lets accounts and goals retain their native currencies while presenting the household plan through one base-currency view. It is designed for envelope decisions across currencies rather than simply converting a portfolio total.

PocketSmith advertises live currency conversion and global multi-currency reporting. Its global-finance pages emphasize seeing overseas accounts in both native and base currencies, with totals converted using current rates.

Those architectures serve overlapping but different workflows. A household should test foreign-currency transfers, reimbursements, exchange-rate timing, historical reports, and rounding. A product can display converted totals while still handling budget categories or transfers in a way that does not match your mental model.

Bank feeds: verify the exact institution, not the headline

PocketSmith advertises connections to more than 14,000 institutions and bank feeds in 49 countries. It is the broader global aggregation product. Feed access and limits depend on the selected tier, institution, provider, and local authentication rules.

Pigget's public bank catalogue currently lists more than 2,900 available read-only connections worldwide, including 27 EU countries. It distinguishes provider availability from a connection that has completed Pigget's own in-app flow. Pigget cannot initiate payments or move money.

Neither total proves that your current account, card, transaction history, or consent renewal works as expected. Before moving a budget, check every essential institution and run at least one complete import-refresh cycle.

Forecasts, calendars, and reporting depth

PocketSmith is the clear choice when long-range forecasting is the non-negotiable. Its current tiers publish forecast horizons from six months on free to 10, 30, and 60 years. Calendar budgeting helps connect scheduled income and expenses to those projections.

Pigget includes expected income, targets, and reports, but does not position itself as a decades-long cash-flow simulator. Its reporting is meant to explain budget health, spending, and progress without asking the household to manage a full financial-analysis workspace.

Forecast length is not forecast certainty. A 60-year chart amplifies assumptions about income, prices, rates, and behavior. It is most useful as a scenario tool, not a promise.

Sharing and platform fit

PocketSmith's web app works across desktop browsers, with companion apps for iOS and Android. Paid plans include collaborator access, making it viable for households that use mixed devices or want an adviser or partner to see the same financial picture.

Pigget is native to iPhone and iPad and shares a budget through Apple's iCloud. That creates a focused Apple experience but excludes Android, browser, and Mac access today. It fits best when the people editing the plan already live on supported Apple devices.

Published tiers versus an unpublished beta price

PocketSmith has a free tier and paid annual plans starting at AUD $9.99 per month, with higher tiers increasing connected-bank limits, dashboards, and forecast horizons. The right comparison requires the tier that contains your actual bank count and feature needs—not merely the lowest displayed price.

Pigget is currently available through TestFlight. Public pricing has not been announced, so it would be misleading to call the future product free or calculate long-term savings today. Evaluate its workflow now and revisit price when final terms are public.

Methodology and official sources

This page uses first-party product and pricing documentation. Pigget publishes it and has a conflict of interest, which is why the verdict is use-case based rather than a numeric score.

• PocketSmith pricing, limits, sharing, and forecast horizons
• PocketSmith global bank-feed and currency information
• Pigget product facts and limitations
• Pigget bank connection catalogue
• Pigget privacy notice

Pigget is not affiliated with PocketSmith. Product names and trademarks belong to their respective owners.