🔒 Private by design · Your data stays yours

Your finances,
finally under control

Import statements from any bank, see everything in one place, and let AI do the boring work — all without sharing your data with anyone.

Get early access → See how it works

Launching soon — no credit card required.

Sound familiar?

Most people feel this way. PocketWise was built to fix exactly this.

😰

"I have no idea where my money goes"

Money leaves your account and you're not sure if it was groceries, a subscription, or something else.

📊

"My spreadsheet is a mess"

You started tracking expenses in a spreadsheet but it's outdated and takes too long to maintain.

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"My money is spread across 3 banks"

Checking one app, then another, then another — getting a complete picture takes 20 minutes.

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"I don't trust finance apps with my data"

You've heard the horror stories. You're not comfortable handing over your bank credentials.

😬

"I overspend without realising"

The month ends and you're shocked. Dining out, impulse buys — the small amounts add up fast.

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"I forget which bills are due when"

Netflix, gym, insurance, phone — you're never quite sure what's hitting your account this week.

Everything in one quiet, clear place

No clutter. No upsells. Just the tools you actually need to understand your money.

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Import from any bank

Upload your statements as CSV, OFX, or PDF. Works with any bank or credit union — no logins required.

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AI auto-categorisation

Transactions are automatically sorted into categories. Set rules once and forget it — the AI learns your patterns.

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Spending insights & trends

See exactly where your money goes each month with clean charts and category breakdowns.

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Budgets & savings goals

Set monthly budgets per category. Track progress toward savings goals like an emergency fund or holiday.

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Recurring bills tracker

Never miss a subscription or bill. PocketWise spots recurring charges and shows what's coming up.

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Ask your finances anything

"How much did I spend on food last month?" Just ask in plain English and get an instant answer.

Beyond transactions — real financial intelligence

Most finance apps show you what happened. PocketWise tells you what it means for your financial health — and alerts you before small habits become expensive problems.

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Financial Health Score

A single A–F grade built from your savings rate, emergency fund, credit usage, and net worth trend. One number that tells the whole story.

B
🛡️ Emergency Fund
💰 Savings Rate
💳 Credit Usage
📈 Net Worth Trend
💸

Credit Card Interest Alert

See exactly how much you're paying in interest this year — and your projected annual cost — so the real price of carrying a balance is never hidden.

Credit Card Interest — 2025
$364.96
paid in interest · ~$816 projected this year
💡 Paying off your balance in full each month eliminates this cost entirely
🛡️

Emergency Fund Tracker

Know how many months of expenses your savings cover. Three months is the safety floor — PocketWise shows your progress and updates it automatically.

4.2 months
of expenses covered by liquid savings
03 mo ✓6 mo
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Credit Utilization Monitor

Track how much of your available credit you're using per card. Under 30% keeps your credit score healthy — PocketWise flags when you're creeping up.

24%
overall utilization ✓ Good
Citi Platinum
18%
Chase Freedom
31%
Amex Blue
8%
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Top Spending Breakdown

See your biggest expense categories the moment you import a statement — no manual tagging needed.

🛍️ Groceries
$1,240
🍽️ Restaurants
$840
⛽ Transport
$620
🛒 Shopping
$438
📅

Upcoming Bills & Subscriptions

PocketWise detects recurring charges automatically and shows what’s due next — so you’re never caught off guard.

1
Jun
Netflix $15.99
3
Jun
Electric Bill $142.00
8
Jun
Gym Membership $45.00

Your data is secure, private, and yours

PocketWise is hosted on AWS infrastructure with enterprise-grade security. Your financial data is encrypted at rest and in transit — never sold, never shared, never used for ads or third-party analytics.

AES-256 encryption at rest TLS 1.3 in transit No bank credentials ever asked Delete your data anytime, instantly Isolated per-user data storage Hosted on AWS — SOC 2 compliant infrastructure

Up and running in minutes

No complicated setup. No linking bank accounts. Just three simple steps.

1

Create your account

Sign up with your email. No credit card or payment details needed.

2

Upload your statements

Export a CSV or OFX from your bank's website and upload it. Takes 30 seconds.

3

See your full picture

Your transactions are categorised, your spending is charted, and your finances finally make sense.

Common questions

Everything you might be wondering before you sign up.

Why is PocketWise free?
PocketWise is a personal project built out of frustration with expensive finance apps that sell your data. Keeping it free lets more people benefit without feeling pressured into a subscription. There are no ads and no paid tiers — the app costs very little to run because it doesn't rely on costly third-party data pipelines. If you find it useful, that's all the reward we need.
How is my financial data protected?
Your data is encrypted at rest and in transit. Access is strictly limited to your own account — no other user, administrator, or third party can browse your transactions. We apply industry-standard security practices and regularly review the application for vulnerabilities. Sensitive account details (like partial card numbers) are stored only as one-way hashes — meaning even we cannot reconstruct them.
Do you ever ask for my bank password or credentials?
Never. PocketWise does not connect to your bank directly and will never ask for your online-banking username, password, or one-time codes. You simply export a statement from your bank's website (a CSV or OFX file) and upload it here. Your bank relationship stays entirely between you and your bank.
Who can see my transactions?
Only you. Your financial data is siloed entirely to your account. If you choose to invite a family member to collaborate, they can only see what you explicitly share with them — and you can revoke that access at any time. PocketWise staff cannot access your personal transaction history.
Does the AI assistant send my data to OpenAI or another cloud AI?
The AI assistant is designed to work with minimal data exposure. Queries are processed using aggregated summaries rather than sending your raw transaction list to any external service. No personally identifiable financial information (payees, amounts, account numbers) is transmitted to a third-party AI provider as part of a normal conversation.
Can I delete my account and all my data?
Yes, at any time. Head to Settings → Data Management after signing in. You can delete individual accounts with all their transactions, or request full account deletion. When you delete your account, all associated data is permanently removed from our systems — there are no hidden backups retained after deletion.
Is there a mobile app?
Not yet. PocketWise is a responsive web app that works well on mobile browsers today. A native app may come in the future depending on interest.

Be the first to know

PocketWise is launching soon. Drop your email and we’ll reach out when it’s ready.

Private. Secure. No spam, ever.