Budgeting
Smart budgets
After a week of connected spending, Pocketly suggests a budget for each category based on what you actually spend, not on a...
New · Pocketly 3.0 is here
Your money, finally on autopilot.
The budgeting app that sorts every purchase, rounds up spare change into savings and nudges you before bills are due. Free on iPhone and Android, set up in two minutes.
- 4.9 rating · 120k reviews
- Bank-grade encryption
- No ads, ever
- 4.9 average ratingFrom 120,000+ app reviews
- Bank-grade security256-bit encryption & biometric login
- Two-minute setupLink 12,000+ banks and cards
- Free forever planNo credit card needed
App features
Everything your money needs, in one app.
Budgets, savings, bills and shared spending, designed to feel effortless. Open the app for ten seconds a day and always know where you stand.
Saving
Round-ups
Buy a $4.20 coffee and 80 cents moves to the goal of your choice. Round-ups collect throughout the day and move once...
Insights
Spending insights
Every Sunday, Pocketly sends a short summary of your week: what you spent, your top merchants and how it compares to your...
Bills
Bill reminders
Pocketly spots recurring payments automatically and builds a bill calendar for you. Three days before a payment, you get a gentle reminder...
Together
Shared pots
Create a pot, invite flatmates, a partner or friends, and set a target. Contributions appear for everyone instantly, and you can split...
Security
Bank-grade security
Pocketly connects to your bank through regulated open banking partners with read-only access. We never see or store your bank password, and...
Smart budgets
Budgets that build themselves.
Pocketly learns how you spend in the first week, then suggests a realistic monthly budget for every category. Live progress bars show what is left, and a gentle alert lands before you overspend, not after.
- Every purchase sorted automatically into 20 categories
- Alerts at 80% so there are no month-end surprises
- Bill calendar with reminders three days ahead
How it works
Four simple steps to calmer money.
No spreadsheets, no manual entry. Pocketly does the sorting, you make the decisions.
Download the app
Free on the App Store and Google Play. No credit card, no catch.
Connect your accounts
Link banks and cards securely in under a minute, read-only.
Pick your goals
Tell Pocketly what you are saving for and it drafts a budget around it.
Watch it grow
Round-ups and smart rules move money to your goals automatically.
Save on autopilot
Spare change, serious savings.
Every card purchase is rounded up to the next dollar and the difference slips into a goal you choose. Add payday rules and weekly boosts, and your savings grow in the background while you get on with life.
- Round-ups on every purchase, up to 10× with Boost
- Savings goals with a photo, a date and a progress ring
- Shared pots for rent, trips and gifts with friends
Pocketly in numbers
Small habits, big results.
- 2.4Mpeople budgeting with Pocketly
- $380Msaved through round-ups
- 4.9average rating from 120k reviews
- $612average saved in the first 90 days
App reviews
Loved by savers everywhere.
I have tried every budgeting app out there. Pocketly is the first one I still open every morning, and round-ups quietly saved $2,300 for our deposit.
The shared pot for rent and bills ended every awkward money chat in our flat. Everyone pays in, everyone can see it.
As a freelancer my income is all over the place. The payday rule and bill reminders finally made it feel calm.
Pricing
Start free. Upgrade when you are ready.
The free plan covers the essentials forever. Plus and Family unlock unlimited goals, Boost round-ups and shared pots.
Free
The essentials to take control of your money, free forever.
$0/ forever
- Smart budgets for every category
- Round-ups into one goal
- Bill reminders
- Weekly spending insights
Plus
Unlimited goals, Boost and shared pots for serious savers.
$4.99/ month
- Everything in Free
- Unlimited savings goals
- Boost round-ups up to 10×
- Shared pots with friends
- Custom categories & rules
Family
Everything in Plus for up to six people, plus kids' pocket money.
$8.99/ month
- Everything in Plus
- Up to 6 family members
- Kids' pocket money & chores
- Shared family budget
- Priority support
Prices in USD, taxes may apply. Cancel any time in the app. Plus and Family start with a 14-day free trial.
FAQ
Questions? We have answers.
Everything you need to know about the app, your data and your subscription. Still curious? Our team replies in the app within a few hours.
Is Pocketly really free?
Yes. Budgets, round-ups into one goal, bill reminders and spending insights are free forever. Plus and Family add unlimited goals, Boost and shared pots.
Is my money safe?
Pocketly connects to your bank with read-only access through regulated open banking partners. We never see your login details, and everything is protected with 256-bit encryption and biometric login.
Which banks can I connect?
Most major banks, credit unions and card issuers are supported, and new ones are added every week. You can check yours during setup before you share anything.
How do round-ups work?
Each card purchase is rounded up to the next dollar. The spare change is collected and moved to your chosen goal once it reaches $5, or instantly with Boost.
Can I share a pot with friends or family?
Yes. Invite anyone with the app to a shared pot for rent, holidays or gifts. Everyone sees contributions in real time.
How do I cancel my subscription?
Open Settings, then Subscription, and tap Cancel. Your plan stays active until the end of the billing period, and your data is never deleted without asking.
The Pocketly blog
Money tips that actually stick.
The 50/30/20 budget, explained in five minutes
Needs, wants and savings: the simplest budgeting rule there is, and how to make it work when your rent is...
How spare change quietly became a $3,000 holiday
Round-ups feel tiny until you look at the graph. Here is the maths behind saving without noticing, and three rules...
Pocketly 3.0: shared pots, smarter budgets and a fresh new look
Our biggest update yet is rolling out now on iPhone and Android. Here is everything new, from shared pots to...
Download Pocketly
Your future self will thank you.
Join 2.4 million people who budget smarter and save without thinking about it. Free to download, ready in two minutes.
- Free forever plan, no credit card
- Works with 12,000+ banks and cards
- Cancel premium any time in the app