PocketSmith
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PocketSmith combines cloud-based budgeting with an unusual strength: cash flow forecasting up to 30 years ahead. The iOS app syncs your budgets, transactions, and accounts, letting you update spending and plans from your phone. It connects to over 12,000 financial institutions worldwide, so your transactions import automatically where supported.
The app fits people planning for retirement or major life changes who want to model how current spending affects long-term goals. It's heavier than a simple expense tracker but lighter than professional accounting software, making it a middle-ground choice for those who think in years, not just months.