Step 1
Keep the useful detail
Bring across transactions, notes, labels and supported category rules from your PocketSmith exports.
Plan beyond the forecast.
Fireball turns your connected financial picture into a complete NZ FIRE plan, with a target number, projected date, KiwiSaver, NZ Super, Safe to Spend and mortgage-aware wealth built in.
Eligible new customers may receive 14 days free. Card required.
A simpler switch
Bring your PocketSmith history with you.
Import your PocketSmith transaction history into Fireball, then review where everything will go before it is saved.
Step 2
Review before saving
Match accounts, organise categories and check possible duplicates before anything is added.
Step 3
Undo if you need to
Remove the imported data from that migration without deleting information that was already in Fireball.
PocketSmith budgets, attachments and unsupported rule settings are not imported.
Fireball
PocketSmith
Dedicated FIRE planning
Your FIRE number and date, calculated for you
See your target number, projected date, target age and years remaining in one plan that updates with your connected financial picture.
PocketSmith
No dedicated FIRE result
PocketSmith supports FIRE through general cash-flow forecasting. You use its projected account balances to build and interpret the FIRE plan yourself.
NZ retirement context
KiwiSaver and NZ Super built into the plan
Model KiwiSaver, investable wealth, NZ Super and your withdrawal assumptions together in a plan designed for New Zealanders.
PocketSmith
No built-in NZ retirement layer
PocketSmith can track KiwiSaver accounts, but its public FIRE workflow relies on accounts, budgets and scenarios rather than dedicated NZ retirement outputs.
What-if planning
Every scenario shows the FIRE-date impact
Change savings, returns or timing assumptions and immediately see the effect on your FIRE date, net worth and debt-free timeline.
PocketSmith
Scenarios stop at forecast balances
PocketSmith scenarios show how scheduled budgets and decisions change future account balances, without surfacing a dedicated FIRE target or date.
Safe to spend
Future bills and goals are protected today
Safe to Spend accounts for your planned commitments and goals before showing what is genuinely available now.
PocketSmith
Future budgets are excluded from Safe Balance
PocketSmith’s Safe Balance does not account for future budgets when calculating what is safe to spend today. Its beta can adjust for selected current budgets only.
Full mobile planning
The complete planning experience lives on your phone
Budgeting, Safe to Spend, FIRE progress, alerts, property and debt planning all live together in Fireball’s mobile app.
PocketSmith
Mobile apps remain companions to the web experience
PocketSmith describes its mobile apps as companions to the web app, not standalone interfaces. They provide selected features rather than the complete web planning experience.
Home, mortgage and FIRE
Home equity stays separate from FIRE wealth
Link property and mortgage, model repayments and interest, and keep the home you live in separate from the wealth funding your FIRE plan.
PocketSmith
Property feeds a general net-worth forecast
PocketSmith tracks property and mortgages in net worth, but its workflow requires accounts or debts, budgets and balance adjustments rather than a linked investable-FIRE treatment.
Independent comparison based on public product information reviewed 1 August 2026. Features can change. Fireball is not affiliated with PocketSmith.
Sources: PocketSmith features · PocketSmith FIRE methodology · PocketSmith what-if scenarios · PocketSmith Safe Balance beta · PocketSmith mobile-app scope · PocketSmith mortgage setup
Independent feedback
What users say—and where Fireball goes further
What users appreciate
Users often praise PocketSmith’s calendar-based forecasting, automatic bank feeds, transaction rules, multi-currency support and control over complex finances.
What users weigh up
That depth can demand work: users describe a steep learning curve, time spent configuring budgets and scenarios, a companion mobile experience, and mortgage setup that can be hard to get right.
The Fireball difference
For people who want less configuration and a complete phone experience, Fireball turns connected NZ accounts into guided budgets, a bills-aware Safe to Spend figure, linked mortgage treatment and a dedicated FIRE number and date. It trades some of PocketSmith’s forecast customisation for clearer defaults and fewer modelling decisions.
Feedback is anecdotal and may not represent every customer. Sources: PocketSmith Trustpilot reviews · PocketSmith Sidekick App Store reviews · NZ PocketSmith user discussion
Know what the forecast means for your freedom.
See the FIRE number, date and decisions behind it—updated from your spending, KiwiSaver, mortgage and goals.
Start with Fireball
Eligible new customers may receive 14 days free. Card required.