Always know
where your money is.
Your bank balance is fiction. It shows you what's there, not what's available. Pockets shows you the one number that already accounts for rent, insurance, that thing in nine days, and everything else coming up.
The number in your bank app is lying.
Not on purpose. It's just answering a different question. It tells you what's there. It does not tell you what's yours to spend. Those are completely different numbers, and the gap between them is where overdrafts come from. Where missed rent comes from. Where the spiral starts.
Rent isn't out yet
So it's still in the number. Until the 1st, when suddenly it isn't, and now you're rearranging your life over a Tuesday.
Auto-pay in nine days
Insurance, subscriptions, the gym you swear you'll use. The screen forgot. So did you. The money didn't.
2 AM, balance looks fine
It wasn't fine. The bank just hadn't told you yet. By the time it does, the impulse buy already happened.
One truthful number.
Your bank balance, minus everything you've already promised to future-you. Rent, insurance, groceries, the vet bill in three weeks. Whatever's left after all of that — that's what you can spend tonight. We call it Good-to-Go.
One number. Always honest. If it's positive, you're fine. If it's red, stop. The rest of the app exists to make sure that number stays truthful.
Three steps. Then it does the math so you don't have to.
Set up your funding schedule, connect your bank, and make some Pockets. The app auto-funds them on payday and keeps the GTG number truthful so you can stop wondering if you can afford that coffee or if you're already in the red.
Set your payday.
So the app knows when fresh money lands and how often. Everything below is paced to your paycheck — not someone else's monthly calendar.
Rent isn't $1,800 a month. It's $900 every paycheck. Insurance isn't $135 every six months. It's $11.25 every paycheck. Pockets normalizes everything to the unit that lands in your account, so the question stops being a math problem.
Funding Schedule
Connect a bank.
Read-only. Real balance, real transactions. No more guessing what's posted vs. pending — Pockets sees what your bank sees.
Every transaction either drains a Pocket (rent paid, groceries spent) or flows through Good-to-Go. The number on your screen reflects what your bank just told us.
Make Pockets.
Rent. Groceries. Vet. The thing in nine days. Each Pocket has a Need (the target) and a schedule (when it's due).
Pockets does the per-paycheck math; you stop holding it in your head. Spending Funds refill every paycheck. Bills pace toward their due date. Behind on something? The pocket goes red and the GTG number reflects it.
Transactions are linked to Pockets or drain from Good-to-Go. Either way, the app learns what your money is for so you can stop wondering where it went.
Built for the way real spending actually goes.
Auto-fund on payday
Tell Pockets when your paycheck lands. The day it hits, every Pocket fills itself to where it needs to be.
Spending Funds
Groceries, gas, eating out. Pockets that refill each paycheck instead of saving toward a target.
Live multi-bank
Connect multiple bank accounts and see your Good-to-Go across all of them.
Forecasting
Pockets knows what's coming. Rent on the 1st. Insurance on the 9th. The number already accounts for it.
Built for ADHD
If you've blown rent on a 2 AM impulse buy more than once, this is for you. The number stops you before you swipe.
Catch Up
Borrowed from a Pocket and want to put it back? One tap restores it to where it should be. No mental math.
Stop spending money you don't have.
Let Pockets help you stay on top of your money so you know what's Good-to-Go and what's not. Create a free account today!