Everything you need to budget better
From automatic bank sync to AI-powered insights, PocketSpend has the tools to transform your finances.
Core features (all plans)
Automatic Bank Sync
Connect 12,000+ banks globally via Plaid (US), Yapily (UK), Basiq (AU), and Lean (UAE/GCC). Transactions appear automatically—no manual entry.
Smart Budget Tracking
Set spending limits by category. Get real-time alerts before you overspend. Budgets reset on YOUR payday, not calendar month.
Multi-Currency Support
Track GBP + EUR + USD + AED + AUD simultaneously. See balances in your home currency with live FX rates. Perfect for expats.
Bill Reminders
Never miss rent, utilities, or credit card payments. Get push notifications 3 days before bills are due.
Net Worth Dashboard
Total assets minus total debts across all accounts. Track your real financial position updated daily.
Subscription Finder
AI scans all transactions and lists every recurring charge—including ones you forgot about. Cancel directly from the app.
Premium features (paid plans)
AI Receipt Scanner
Snap a photo of any receipt. AI extracts merchant, amount, date, and category in seconds. 150 scans/month on Premium.
Spending Forecasts
See your projected end-of-month balance based on current spending rate. AI warns you 48 hours before potential overdraft.
Debt Payoff Planner
Add credit cards and loans. Choose snowball (smallest balance first) or avalanche (highest rate first). See debt-free date.
Cash Flow Forecasting
Predict your balance 30, 60, 90 days out based on known income and bills. Plan ahead with confidence.
Business features (Business tier)
Business Profile
Separate personal and business finances in one app. Track side hustle revenue alongside your salary without switching apps.
Tax Expense Tracking
Tag deductible expenses throughout the year. Export Schedule C (US), HMRC categories (UK), or ATO format (AU) at tax time.
Mileage Tracker
Auto-detect drives over 2 miles. Tag as business or personal. Export IRS-ready mileage log at $0.67/mile (2026 rate).
1099 Income Tracking
Track freelance income from multiple clients. Quarterly estimated tax reminders. Export for Schedule C reporting.
Region-specific features
United States
- Plaid integration — 12,000+ banks
- Schedule C expense tracker
- 1099 income reporting
- Quarterly tax reminders
- IRS mileage tracking
United Kingdom
- Yapily Open Banking — FCA compliant
- HMRC self-assessment categories
- Direct Debit recognition
- ISA tracking
- UK tax year (Apr 6 – Apr 5)
Australia
- Basiq CDR — 130+ banks
- Fortnightly pay cycle support
- ATO expense categories
- EOFY export
- Superannuation tracker
- HECS-HELP balance
UAE & GCC
- Lean Technologies integration
- Emirates NBD, ADCB, FAB, Mashreq
- WPS payday budgeting (25th)
- Remittance auto-detection
- Multi-currency dashboard
Bank-grade security
We use read-only bank connections. We can see your transactions but can NEVER move your money. Your data is encrypted with AES-256 and never sold to third parties.