Pockito: AI Expense Tracker

Pockito is an SMS expense tracker and daily budget planner that fills itself in.
No bank login. Your data is never sold.

KEY FEATURES

• Bank texts and Apple Pay that log themselves
• Safe to spend: one daily number after bills and savings
• Voice entry in English or Arabic: say what you spent, then edit it
• Receipt scanner that reads every line into items with categories
• Budget alerts and bill reminders before the money is gone
• Bills, subscriptions and expected income in one Repeating tab
• Wallet: cash, bank accounts, cards and gold, each with its own balance
• An AI assistant that sets limits, adds bills and answers questions
• Recaps for any week, month or dates, free for everyone
• Incognito Mode: no account, and your records stay on this device

LOGS ITSELF

• Bank texts: when your bank texts you about a purchase, Pockito reads the message and files the expense. It knows the formats of 54 banks and wallets in 14 countries, among them CIB, National Bank of Egypt, InstaPay, Al Rajhi, SNB, Emirates NBD and HDFC, and its AI reads messages from other banks.
• Apple Pay: tap at the till and the expense shows up a moment later.
• Voice: tap the mic and say what you spent, in English or Arabic.
• Receipts: hold the camera over one and every line becomes an item. Screenshots, PDFs and pasted text work too, and you can attach a receipt to an entry you already have.
• By hand: typing an entry yourself is free, with no monthly cap.

Bank texts and Apple Pay each run on a Shortcuts automation you set up once.

IT LEARNS, AND IT ASKS

• Fix a category once and Pockito remembers it.
• Tell it which account a card belongs to, and that card's next texts go there.
• Unclear messages wait in Needs a look until you decide.
• With Pro, rules file your bank messages for you.

ASK POCKITO
Type or say what you want:

• "Keep eating out under 2,000 this month" sets the limit.
• "Add Netflix, 120 a month" adds the bill and reminds you before it renews.
• "How much went on taxis last week?" gets a straight answer.
• "Am I on track for my savings goal?" checks your progress.

It asks before it deletes anything, and it answers in your language.

AHEAD OF YOUR BILLS

• Budget alerts as you near a limit: "You're at 90% of your Food & Dining budget."
• Bill reminders: "Netflix is due tomorrow."
• The Repeating tab flags a free trial about to end and a subscription with no recorded spending for 60 days.
• Add a warranty to a purchase and Pockito reminds you 30, 7 and 1 day before it ends.
• Insights warns you early about going over budget, unusual spending or a price that went up. Free shows the top alert, Pro shows them all.

SEE WHERE IT WENT

• Give any category a limit in Insights and see what is left.
• Pick a week, a month or your own dates for a recap.

YOUR ACCOUNTS, GOLD AND NET WORTH

• Wallet keeps cash, bank accounts, cards and savings, each with its own balance.
• Credit cards show their limit and due date.
• Add gold too. Live prices and net worth come with Pro.

YOUR DATA

• Sign in to sync your devices, or use Incognito Mode with no account.
• Lock the app with Face ID.
• With Pro, import bank statements (CSV, Excel, PDF, OFX), export to CSV, Excel or PDF, and back up to iCloud.

ALSO IN POCKITO

• 23 Home Screen and Lock Screen widgets (Pro)
• Shortcuts in all 24 of the app's languages, and Siri in each one Siri speaks
• Full right-to-left Arabic

FREE AND PRO
Free: every manual entry, your full history, recaps, budget alerts and bill reminders, plus a first taste of automatic tracking, voice, scanning and AI chat.
Pro: no limits on those, more accounts, budgets, categories and bills, net worth with live prices, widgets, every Insights alert, import, export and backup, rules for bank messages, and themes.

Support: [email protected]
Privacy: https://pockitoai.app/privacy
Terms: https://pockitoai.app/terms

Pockito 1.4.0 is our biggest update so far, and much of it started as a message or a review from you.

HOME STARTS WITH TODAY
Home now opens on what you can spend today, after your savings goal and bills are set aside. The colour of the circle tells you how the period is going.

A NEW WALLET TAB
Cash, bank cards and gold each keep their own balance, in one place. Live prices and net worth come with Pro.

REPEATING
Your fixed bills live here now, with subscriptions and the money you expect in. Pockito reminds you before each one is due.

RECAPS FOR ANY STRETCH OF DAYS
Pick a week, a month or your own dates. Every recap is free, and a new one is ready the morning after each period ends.

VOICE AND SCANNING
Tap the mic in the bar and say it. Pockito writes as you talk, and you can fix any part in place. Hold the camera over a receipt and Pockito finds the edges, takes the photo when it is steady and reads every line. You can also paste a copied bank message, pick a receipt from Photos, share one from another app, or attach a receipt to an entry you already have.

IT LEARNS FROM YOU
Fix a category once and Pockito remembers it. Rules (Pro) tell it where a bank message goes, so the next ones file themselves. Voice, scans and bank messages now land in the right account.

ALSO NEW

• Every manual entry is free, with no monthly cap.
• Categories moved into Insights. Same categories, same limits.
• Pockito AI edits entries when you ask. It asks before it deletes, and it answers in your language.
• You type amounts on Pockito's own keypad, right where the number sits.
• A dot on a tab tells you something there is waiting for you.
• Shortcuts work in all 24 of the app's languages, and Siri in each one Siri speaks.
• Arabic now reads in Thmanyah, a typeface drawn for Arabic.
• The Guide is a two-minute tour of the new Home, Wallet and Repeating. It stays in Settings for later.
• 68 fixes.

WE READ EVERY MESSAGE
Found a bug, or missing something? Message us on WhatsApp at +20 155 091 6506. A real human answers, usually within hours. Ideas and requests are welcome at [email protected].

Thank you for every review. They shape what we build next.