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)
Bank Sync · 5 Regions
Open Banking via Plaid (US + CA), Yapily (UK + EU + IE), Basiq (AU) and Lean (GCC). Read-only — the app cannot move money.
Manual + Auto Transactions
Add manually or let bank sync handle it. Recurring transactions auto-detected. 30+ region-aware categories.
Multi-Currency
Hold 30+ currencies side-by-side. Live FX. Multi-currency dashboard for expats, remitters and global earners.
Bill Reminders
Local notifications for rent, utilities, cards and subscriptions. Scheduler refreshes every 6 hours on Android.
Net Worth, Cash Flow, Debt & Goals
Dedicated screens for net worth, inflows vs outflows, payoff projections and savings goal progress.
Subscription Finder
AI scans transactions and lists every recurring charge — 24-hour cache. Cancel directly with step-by-step help.
Nine AI tools that know where you live
Region-aware budgeting, deductions, anomaly explanations and a coach with memory. Quotas scale by plan.
AI Coach
Multi-turn chat with persistent memory. Asks about your goals, weighs your real spending, gives specific actions.
Weekly Review
Auto-generated Sunday digest: wins, concerns, upcoming bills, and one focus action for the week ahead.
Anomaly Explainer
"Why did groceries jump 3.5×?" — explains spikes in plain English with 2–3 suggested actions.
Cancel Help
Step-by-step cancellation for any subscription: URL, phone, email template, retention warnings.
Tax Optimise
Finds deductible transactions per region (IRS Schedule C / HMRC / ATO). Confidence-scored. Estimates annual savings.
Budget Suggest
Region-aware 50/30/20: high-rent UK, no-tax UAE, US healthcare-heavy, AU super-aware.
Receipt Scanner
Snap or import a receipt photo. AI extracts merchant, amount, currency, date and line items.
Climate Footprint
Monthly CO₂ estimate from your spending. Trees-equivalent. Region-aware vs the local average.
Notification Personalise & Ask AI
Replaces generic pushes with specific copy referencing your data. One-shot Q&A surfaces in-app features that help.
Premium features (paid plans)
AI Receipt Scanner
Snap a photo of any receipt. AI extracts merchant, amount, currency, date and line items. Counts against monthly quota.
AI Coach & Weekly Review
Memory-aware finance coach plus a Sunday digest of wins, concerns and your single focus action for the week.
Anomaly Explainer
Spotted a spike? AI explains why your spending in a category went 2×+ baseline and what to do about it.
Climate Footprint
Estimate CO₂ from your spend. See trees-equivalent and how you compare to the regional average.
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 Optimise
Confidence-scored deduction finder for IRS Schedule C, HMRC Self-Assessment and ATO. Estimates annual savings.
Mileage Log
Tag drives as business / medical / charity. Export at IRS 2026 ($0.67/mi) or ATO 2026 (¢88/km) rates.
Superannuation Tracker (AU)
Multi-fund balance, employer contribution log and SG compliance — built into the Business tier for Australian users.
Region-specific features
United States
- Plaid bank sync
- IRS Schedule C tax export
- Mileage Log (2026 IRS rate $0.67/mi)
- Quarterly tax reminders
- 1099 income tracking
United Kingdom
- Yapily Open Banking — FCA regulated
- HMRC Self-Assessment export
- ISA contribution tracker
- Moneyhub CSV importer
- UK tax year (Apr 6 – Apr 5)
Australia & New Zealand
- Basiq CDR bank sync (AU)
- Superannuation Tracker
- ATO deduction categories
- Mileage Log (2026 ATO ¢88/km)
- Fortnightly pay defaults
- KiwiSaver Tracker (NZ)
Canada
- Plaid bank sync
- TFSA contribution tracker
- RRSP contribution tracker
- FHSA contribution tracker
- CRA annual limits built in
UAE & GCC
- Lean Technologies bank sync
- Residency Renewal reminders (Emirates ID, Iqama, visa)
- Halal / Sharia Scanner (UAE + KSA)
- Remittance helper with live FX
- Pay-cycle defaults — monthly 25th
Bank-grade security
Read-only bank connections via FCA / CDR-regulated providers. Bank credentials never touch our servers — flows go through provider-hosted consent. The app cannot move money. Account deletion is one tap.