Looking for a PocketSmith alternative?

PocketSmith's own documentation states they "do not have a detailed share-tracking feature." You can import a portfolio balance from Sharesight or log an asset manually, but there is no way to track individual holdings, see returns by security, compare performance against a benchmark, or monitor dividends.

Endute tracks every holding across your brokerage accounts: stocks, ETFs, bonds, and funds. You get Time-Weighted Return and Money-Weighted Return calculations, benchmark comparisons, multi-currency valuations with automatic FX conversion, and a full transaction history per security. If your investments are a meaningful part of your financial life, that gap matters.

PocketSmith publishes content about the FIRE movement, but the product has no FIRE-specific tools. You can project a balance forward using their forecasting engine, which is useful for general planning, but it will not tell you your FI number, your safe withdrawal rate, or how likely your plan is to survive a market downturn.

Endute's FIRE module lets you build a multi-phase retirement plan (accumulation, semi-retirement, full retirement), then validate it with Monte Carlo simulations across thousands of randomised market scenarios and historical backtesting using over a century of real market data. The what-if explorer lets you drag sliders and see how changes affect your projected FI date in real time. It is the difference between projecting a number and stress-testing a plan.

PocketSmith has four tiers. Foundation (£9.99/month on annual billing) limits you to 6 bank connections from a single country and caps the forecast at 10 years. Multi-country feeds mean Flourish at £16.66/month; unlimited everything means Fortune at £26.66/month.

Endute is one plan at £8.49/month or £69.99/year, with no limits on bank connections and nothing reserved for a higher tier. Investment tracking, FIRE planning, and unlimited multi-country connections are all included from the start, where PocketSmith spreads the equivalents across its upper tiers. The difference is less about price and more about not having to map your needs onto four plans.