Now in development

Tell it what
you have, and
what to cover.
See your future.

PocketKeep shows your running balance week by week — bills, envelopes, savings — so you know if you'll make it to payday before the week starts. No bank connection. No account. Just your money, clearly.

Join the waitlist See how it works
No bank login
Works offline
No account needed
Local first
9:41🔋 46%
PocketKeep
🔥 14 days
Payday in 3 days
Left this pay
$136
~$45/day
Balance
$2,998
confirmed today
Truly available
after bills + envelopes + savings
$247
Mar 23
Opening
—
$3,546
Mar 25
PAST DUE
💡 Hot water
$50
$3,278
Mar 27
💡 Hydro
$145
$3,133
Mar 28
● Today
—
$2,998
🍔
Food envelope
$200
Release
⛽
Gas envelope
$80
Release
Truly available
$247
The problem

Every budgeting app shows you the past. PocketKeep shows you the week ahead.

Most apps report what you already spent. That's not the question. The question is: will I make it to Friday?

😰

The anxiety is about next week

You're not lying awake worried about your annual budget. You're worried about whether the hydro bill and the car payment land in the same week. That's a Tuesday problem, not a December problem.

📊

Tracking transactions doesn't help

Logging every purchase requires consistency that financial stress actively work against. Fall behind once and the guilt makes you avoid the app entirely. The cycle is the product failure.

🏦

Bank sync isn't the solution

Auto-categorization is never quite right. Fixing it is the kind of low-reward, fiddly task that goes undone. And sharing banking credentials with a third party requires a trust most people in this situation don't have.

How it works

One number. Updated daily.
Everything else flows.

You don't track transactions. You tell PocketKeep what you have. Bills and envelopes are set once. The ledger projects forward automatically.

1
Tell it what you have
Enter your current balance. That's the anchor. Everything else — bills, envelopes, savings — is calculated from this real number.
2
Set your bills once
Add recurring bills with due dates. Rent, hydro, insurance, car payment. Each gets a priority: pay first, by date, or can wait. The ledger places them automatically.
3
Set envelopes for soft spending
Food, gas, entertainment — the spending that doesn't have a due date but disappears fast. Envelopes create a soft fence that deducts from your truly available number.
4
Update balance daily. That's it.
Spent $80 on groceries? Just update your balance. PocketKeep recalculates everything. No receipt. No category. No transaction log. One tap, full clarity.
Payday allocation · Wednesday
💰 Paycheck
$4,055
🏠 Bills this period
−$3,360
🍔 Envelopes (food + gas)
−$480
🏦 Savings goals
−$75
Truly available
after everything
$140
Coach
Bills and envelopes confirmed. You've got $140 truly available this period — tight but covered. Emergency fund is at 68%. You're building something.
Features

Everything you need.
Nothing you don't.

📅

Week-forward ledger

The only budgeting app that thinks in weeks, not months. See every bill and income event day by day — before they hit.

💰

Truly available numberNew

Balance minus bills, envelopes, and savings. The one number no other app surfaces cleanly — what you can actually spend.

🍔

Envelopes + earmarksNew

Set recurring envelopes for food, gas, and entertainment each payday. Create ad-hoc earmarks for one-off holds. Release when done.

🔥

5-step daily check-inNew

Balance → Bills → Earmarks → Savings → Mood. Two minutes a day keeps your picture accurate. The streak is earned, not gamed.

💰

Payday ritualNew

Every payday, confirm your bills, set your envelopes, allocate savings. See the truly available number before you spend a dollar.

🏦

Savings goals

Set goals with a per-payday contribution. Watch the progress bar move. The first time you hit 100% on an emergency fund — that's a real moment.

💬

Ledger-aware coach

An AI coach that knows your actual balance, bills, envelopes, and savings — and responds in plain language. Shame-free by design.

🔒

Local-first privacy

No account. No bank connection. Data lives on your phone. Works offline. The coach uses anonymous numbers only — no identity, ever.

💜

KindPenny integration

When the math genuinely doesn't work, a gentle coach message connects you to KindPenny — community mutual aid, at the exact right moment.

Built different. On purpose.

Designed for brains that work differently.

Every budgeting app was built by people with financial breathing room, for brains that maintain systems naturally. PocketKeep was built for people who've failed every other app — not because of them, but because of it.

✓
No transaction logging — the hardest task, removed entirely
✓
One daily action with immediate visible reward — dopamine-compatible
✓
Weekly frame — matches time perception, not abstract monthly budgets
✓
No system to maintain — bills and envelopes are set once, then just exist
✓
Shame-free language — the coach never judges, the app never guilts
"
I built the app I actually want to use to see my money. No transaction logging. No bank connection. Just tell it what you have and see the week ahead.
— Blaine, PocketKeep founder
Privacy by architecture

Your money stays
on your phone.

This isn't a privacy policy promise. It's a technical reality. PocketKeep has no server to breach because your data never leaves your device.

"PocketKeep never sees your data. Ever. It lives on your phone and nowhere else. Because your finances are none of our business."
📵
No bank connection
You tell us what you have. We do the math. No Plaid, no aggregator, no shared credentials.
👤
No account required
Open the app and type your balance. You're set. No email, no password, no sign-in dance.
📶
Works completely offline
No Wi-Fi? No signal? PocketKeep works anyway. Your data is local, always available, always fast.
💬
Anonymous coach calls
The AI coach receives only anonymous numbers — balance, bills, envelopes. No name, no account, no identity. Ever.
👥
Optional sharing only
Sharing with a partner creates an account only if you choose it. Local mode is the default, forever.
How it compares

The lane no one else is in.

Every competitor went toward more data, more sync, more automation. PocketKeep went the other direction — less friction, more clarity, one daily tap.

Feature
PocketKeep
Other apps
Week-forward balance ledger
✓ Core feature
✗ None have it
No bank connection required
✓ By design
✗ Usually required
Truly available number
✓ After bills + envelopes + savings
✗ Not surfaced
Envelopes + earmarks
✓ Recurring + ad-hoc
~ Partial (YNAB only)
Payday ritual
✓ Structured allocation flow
✗ None have it
No transaction logging
✓ Just update balance
✗ All require logging
Works offline, no account
✓ Always
✗ All require accounts
Shame-free design
✓ Built this way intentionally
✗ Not a design priority
Free forever for local mode
✓ Always free
~ Mixed
Simple pricing

Local is free. Always.

The core PocketKeep experience — ledger, check-in, payday ritual, envelopes, savings — is free forever. Shared mode and premium coach access are the only paid features.

Local
Free
The full PocketKeep experience on your device. No account. No time limit. Free forever — because it costs us nothing to run.
✓
Full ledger + week view
✓
Bills, envelopes, earmarks
✓
Savings goals
✓
Daily check-in + payday ritual
✓
Basic coach (limited daily calls)
Join waitlist
⭐ Best value
Annual
$3.33
/mo
$39.99 billed once per year. For people who want full coach access and optional account sharing.
✓
Everything in Local
✓
Unlimited coach calls
✓
Share with a partner
✓
Encrypted backup
✓
Early feature access
Get launch access
Monthly
$4.99
/mo
Month to month. Cancel anytime. All the same features as annual, with no yearly commitment.
✓
Everything in Local
✓
Unlimited coach calls
✓
Share with a partner
✓
Encrypted backup
Join waitlist
Know if you'll make it to Friday. Then do something while there's still time.
Join the waitlist
Join the launch list

Be first in when PocketKeep opens.

Get launch updates, product screenshots, and early access when the first version is ready.

You're on the list. We'll send updates as PocketKeep gets closer to launch.
No spam. No bank links. No account needed. Just launch updates.
"
I don't need another budget app. I need to know if Thursday breaks me.
That's the problem PocketKeep is designed to solve.
"
I've failed at every budgeting app. They all wanted me to log transactions and maintain a system — exactly what my brain won't do. So I built this one.
— Blaine, founder