Overview
Toshl Finance is a veteran expense tracker from Slovenia that has served international users since 2010. Known for its quirky monster mascots and solid multi-currency support, Toshl carved out a niche among travelers and expats. Pocket Clear entered the market in 2025 with a modern take on privacy-first expense tracking.
Both apps appeal to global users, but their philosophies differ. Toshl is a cloud-first platform with optional bank connections and a freemium model. Pocket Clear is device-first, privacy-focused, and genuinely free.
Feature Comparison
| Feature | Pocket Clear | Toshl Finance |
|---|---|---|
| Price | Free | Free (limited) / $2.99/mo premium |
| Entry limits | Unlimited | 200 entries (free tier) |
| Bank linking | Not required | Optional (premium) |
| Offline mode | Full | Limited sync |
| Partner mode | Yes | No |
| Multi-currency | 40+ | 200+ |
| Recurring transactions | Yes | Yes |
| Location tagging | No | Yes (premium) |
| Data storage | On-device | Cloud servers |
| CSV export | Yes | Yes (premium) |
| Budgets | Yes | Yes |
Pricing Showdown
Toshl's free tier is restrictive. With a cap of 200 entries, active trackers will hit the limit within two to three months. After that, you need Toshl Medici at $2.99/month or $23.99/year. This unlocks unlimited entries, bank connections, data export, and advanced features.
Pocket Clear has no entry limits, no feature restrictions, and no premium tier required for core functionality. You can track thousands of transactions without ever seeing a paywall.
Global and Multi-Currency Features
Toshl's strongest selling point is its currency support. With 200+ currencies and automatic exchange rate updates, it is one of the most comprehensive multi-currency trackers available. If you regularly deal with obscure currencies, Toshl has an edge.
Pocket Clear supports 40+ of the most commonly used currencies worldwide. For the vast majority of travelers and expats -- those moving between USD, EUR, GBP, JPY, AUD, CAD, INR, THB, and other major currencies -- Pocket Clear covers everything you need.
The practical difference is small. Unless you are tracking expenses in currencies like Uzbekistani Som or Bhutanese Ngultrum, Pocket Clear's currency support is more than sufficient.
Final Verdict
Toshl Finance is a solid app with a long track record and excellent multi-currency support. If you need 200+ currencies or location-tagged expenses, Toshl Medici is worth considering.
For everyone else, Pocket Clear offers a better value proposition: free, private, offline-capable, and equipped with Partner Mode. The 40+ currency support covers the needs of most international users, and you never have to worry about hitting an entry limit or a paywall.
Frequently Asked Questions
What Users Say About Pocket Clear
"Finally an expense tracker that doesn't need my bank login. Clean UI, works offline, and it's genuinely free."
"No nonsense app. Tap amount, pick category, done. Takes 5 seconds. Best budget app I've tried."
"Partner Mode is a game changer. We track shared expenses without sharing passwords or bank logins."
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Pocket Clear: No bank linking, no ads, no subscription. Start budgeting in 30 seconds.