Upload your PocketSmith export
Add the ZIP, CSV or TSV files straight from PocketSmith. Fireball reads them, creates or matches your accounts and maps your categories, with no reformatting needed.
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. Your PocketSmith history comes with you in one import.
Choose Free with no subscription, or try the Paid plan free for 14 days if eligible. Checkout confirms whether payment is required.
Bring years of PocketSmith history in one import
Switching does not mean starting from zero. Drop in your PocketSmith export and Fireball sets up your accounts, transactions, notes, labels and category rules, so your FIRE plan starts with your real spending history.
Join it to your live bank feed
Already connected your bank? Send older history into that account. Fireball adds only the transactions from before your bank feed begins, so nothing doubles up and your balance stays correct.
Review, save and undo anytime
Check possible duplicates, categories and rules before anything is saved. Changed your mind? Undo the whole import from Import history for up to 180 days.
PocketSmith budgets, attachments and unsupported rule settings are not imported. Transactions you edit after importing are kept if you undo.
Not every money app is built for the same goal.
See where PocketSmith focuses, and what Fireball adds for your complete financial plan.
| Dedicated FIRE planning |
|---|
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. |
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. |
| NZ retirement context |
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. |
KiwiSaver and NZ Super built into the plan Model KiwiSaver, investable wealth, NZ Super and your withdrawal assumptions together, then switch the FIRE card to its mode for life after FIRE to see your buffer, withdrawal rate and supported spending once you stop work. |
| What if planning |
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. |
Test your plan against 5,000 market outcomes Adjust savings, retirement spending or target age, then test how often standard FIRE stays funded through your chosen life expectancy across 5,000 possible market outcomes. Results are estimates, and the test does not model every FIRE style. |
| Safe to spend |
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. |
Future bills and goals are protected today Safe to Spend accounts for planned commitments, goal reserves and debt payments you explicitly set aside in Budget. Savings and investing targets reserve only the amount not already covered by eligible contributions. |
| Full mobile planning |
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. |
The complete planning experience lives on your phone Budgeting, Safe to Spend, FIRE, property, debt and shared finances live in the mobile app. Nine native home screen widgets show progress without opening Fireball. |
| Home, mortgage and FIRE |
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 treatment of investable FIRE wealth. |
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. |
| Shared finances |
Collaborator access through the web app PocketSmith supports separate collaborator logins with full account permissions. Its guide says collaborators need the web app to manage another account. |
Choose Viewer or Editor access Invite trusted people through their own verified logins. Viewers can read shared finances and Editors can update ordinary financial records. Bank connections, billing, security and access management stay with the owner. |
| Markets |
Investment balances and forecasting PocketSmith tracks assets and account balances in its forecasts. Its reviewed feature overview does not list an investment watchlist or market price alerts. |
Follow markets beside your financial plan Track indexes and an investment watchlist, set personal price alerts and compare advertised mortgage rates. Quotes refresh periodically and rates are advertised offers, not personalised quotes. |
| AI assistance |
Bring your own AI assistant PocketSmith has no in app chat. Its MCP server connects your account to Claude, ChatGPT or another compatible assistant, which you subscribe to separately, with read only or full access. |
Ask Fireball is built into the app Paid includes Ask Fireball and AI category suggestions, both using your own financial data inside Fireball. No separate AI subscription is needed. AI consent and usage limits apply. |
| Connected account limits |
Connection limits vary by plan PocketSmith Free includes automatic bank feeds but allows only 2 accounts. Foundation includes feeds from 6 banks in one country, Flourish allows 18 banks across all countries and Fortune offers unlimited connected banks. |
Unlimited bank sync on Paid Connect supported accounts without choosing a higher tier to increase the number of bank connections. |
| Price and access |
Free and three paid plans Free allows 2 accounts and a 6 month projection. Foundation, Flourish and Fortune cost $119.88, $199.92 and $319.92 NZD yearly, with forecasts of 10, 30 and 60 years. NZ customers are billed in NZD, and paid plans have a 14 day money back guarantee. |
$0 Free plan, or Paid monthly or yearly Free covers manual tracking, budgeting and basic FIRE planning with no subscription. Paid adds unlimited bank sync, Markets, AI and shared financial access for $10.99 NZD monthly or $99 NZD yearly, with a 14 day trial for eligible new customers. |
PocketSmith
FireballIndependent comparison based on public product information reviewed 29 September 2026. Features can change. Fireball is not affiliated with PocketSmith.
Sources: PocketSmith shared access · PocketSmith features · PocketSmith FIRE methodology · PocketSmith what if scenarios · PocketSmith Safe Balance beta · PocketSmith mobile-app scope · PocketSmith mortgage setup · PocketSmith AI and MCP server · PocketSmith plans and pricing · PocketSmith billing currencies
What users say and where Fireball goes further
What users appreciate
Users often praise PocketSmith’s calendar based forecasting, automatic bank feeds, transaction rules, multiple 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
- Your PocketSmith history imported in one go
- Shared finances with Viewer or Editor access
- Markets, watchlists and price alerts
- AI chat built in, no extra subscription
- Less setup with clearer defaults
- A complete phone experience
- Guided budgets and Safe to Spend
- Linked mortgage planning
- A dedicated FIRE number and date
Feedback is anecdotal and may not represent every customer. Sources: PocketSmith Trustpilot reviews · PocketSmith Sidekick App Store reviews · NZ PocketSmith user discussion
Common questions
Know what the forecast means for your freedom.
Bring your PocketSmith history across, then see the FIRE number, date and decisions behind it, updated from your spending, KiwiSaver, mortgage and goals.
See Fireball plans
Choose Free with no subscription, or try the Paid plan free for 14 days if eligible. Checkout confirms whether payment is required.