Take control of your money without giving it away. PrivatePocket is a private budget planner and expense tracker that keeps your financial records on your phone. No account, no sign-up, no bank login, and it works fully offline.

TRACK EVERY SHILLING, DOLLAR OR EURO
• Record expenses, income, transfers, refunds and balance adjustments in seconds
• Manage multiple accounts and wallets: cash, bank, mobile money, cards and savings
• Over 150 currencies, with transfers between currencies that never guess exchange rates
• Custom categories with your own icons and colours
• Fast search across transactions, accounts, budgets and goals

BUDGET WITH CONFIDENCE
• Monthly, weekly or custom-period budgets for one category or your total spending
• See what is left and how fast you are spending
• Clear charts show where your money goes

SAVE FOR WHAT MATTERS
• Savings goals with target amounts and dates
• A suggested monthly amount to reach each goal on time
• Track debts and payments, and see how long until you are debt-free

NEVER MISS A BILL
• Recurring bills with due-date reminders
• Mark as paid, skip a cycle or snooze a reminder
• All reminders are scheduled on your device, with no push servers involved

PLAN YOUR DAY-TO-DAY
• Shopping lists with quantities and prices; turn checked items into one expense
• Tasks and habit reminders to build better money routines

SMART INSIGHTS AND REPORTS
• Automatic insights about your spending, budgets and savings
• Monthly reports and spending breakdowns
• Export transactions to CSV (Excel, Google Sheets) or a monthly PDF report

AI FINANCIAL COACH (OPTIONAL)
Ask questions like "Where can I cut back this month?" or "How do I reach my savings goal faster?" and get clear, practical answers.
• You decide what the coach can see: your selected records, totals only, or nothing at all
• Data is sent only when you ask a question, never in the background
• Our AI service does not store your questions, your data or the answers
• Your data is never sold or used to train AI models
Included with Starter, Basic and Premium. Free users can unlock single answers by watching a short ad.

PRIVATE BY DESIGN
• Your records live in a database on your phone, not on our servers
• Android cloud backup is turned off for PrivatePocket, so nothing is copied without your action
• Lock the app with a PIN or fingerprint/face unlock
• Hide balances with one tap when others are around
• Encrypted backups protected by your own passphrase; restore anytime
• Privacy Center shows exactly what can leave your device, and lets you change it
• Delete all your data from inside the app at any time

PLANS
PrivatePocket's tracking, budgeting, goals, bills, debts, lists, reports, backup and export are free to use, with ads.
• Starter: fewer ads and a monthly AI Coach allowance
• Basic: no ads and a larger AI allowance
• Premium: no ads and the largest AI allowance with in-depth answers
Subscriptions are monthly, billed through Google Play and can be cancelled anytime in Google Play → Payments & subscriptions.

IMPORTANT
PrivatePocket is a personal budgeting tool. It is not a bank, lender or payment service: it does not hold or move money or connect to bank accounts. Insights and AI answers are for general information only and are not financial advice.

Questions or feedback? Contact us from Settings → Help, or by email. We read every message.