PocketX is the smart, 100% private expense tracker that gets faster and more intuitive the more you use it. No spreadsheets. No manual setup. Just open, confirm, and take control of your day.

Manual tracking is broken and slow. PocketX solves this by running silent, on-device AI algorithms that adapt entirely to you, learning your spending patterns to pre-fill categories, suggest amounts, and predict merchants before you even start typing.

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⚡ AI-POWERED 5-SECOND LOGGING
• Time-Aware Suggestions: PocketX pre-fills the most likely amount based on the time of day and your last 90 days of history.
• Smart Categories: Select an amount, and the app instantly pre-selects the correct category based on your past habits.
• Quick Merchant Chips: Your most frequent and recent merchants are presented as tapable chips. Tap, confirm, and you're done.
• Account Auto-Selection: Remembers which card or cash wallet you typically use for each transaction type to minimize taps.

🤖 ON-DEVICE AI HABIT LEARNING
• Pattern Detection: Watches your habits silently. It knows you grab coffee on weekday mornings, order takeout on Friday nights, and pay utility bills on the same date.
• Pre-filled Workflows: PocketX is faster than any other app because it pre-fills the entry screen before you write a single digit.
• Dynamic Merchant Ranker: Sorts merchants by frequency and recency, putting your favorites front and center.

📨 AUTO-IMPORT BANK SMS (100% SECURE & LOCAL)
• Zero-Tap Entry: Automatically parses bank transactional SMS messages (debits, credits, UPI) to log expenses instantly.
• Confirm Queue: Review and approve parsed transactions with a single tap before they enter your records.
• Local & Private: All parsing runs on-device. Personal texts, OTPs, and private chats are never accessed.

📊 COMMAND CENTER & WIDGETS
• "Left to Spend" Balance: One number at the top shows your actual safe-to-spend budget minus upcoming known bills, recalculated daily.
• Quick Add Widget: Log expenses in 2 taps directly from your home screen without opening the app.
• Visual Timeline: A sleek graphical timeline showing the density of your daily spending.

📚 BOOKS & ACCOUNT MANAGEMENT
• Multiple Books: Keep business, side-hustles, and personal budgets separate. Each book holds its own accounts, budgets, and analytics.
• Multi-Account Tracking: Track cash, credit cards, digital wallets, and savings accounts simultaneously.

🎯 BUDGETS & SMART ANALYTICS
• Custom Budgets: Set monthly budgets, weekly targets, or daily spending limits.
• Color-Coded Heatmaps: Budget progress bars transition from green to amber to red as you spend.
• Visual Breakdowns: Filter spending by category, merchant, bank account, and custom timeframes.
• Spike Alerts: Get notified when any category's weekly spending exceeds 2x your rolling 4-week average.

🛡️ 100% PRIVATE BY DESIGN
• No Signup Required: Use the app immediately without signup, login, or email.
• Local Sandbox: Every prediction and transaction database lives purely in your device's secure local MMKV storage.
• No Ads or Trackers: Zero tracking scripts and zero ads. Your data remains yours.
• Easy Import & Export: Export your history to CSV at any time, or import history from other apps in minutes.

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👑 UNLOCK POCKETX PRO (Monetization Features)
Upgrade to Pro (Monthly, Yearly, or Lifetime) to support development and unlock:
1. Unlimited Books: Separate business, side-hustles, and personal budgets.
2. Infinite Accounts: Track unlimited cards and wallets.
3. Premium Widgets: Get live home screen budget tracker widgets.
4. Cloud Sync (Optional): Securely sync your encrypted database across devices using your own private storage.
5. Advanced Spike Alerts: Get proactive warnings when spending spikes.

PocketX Expense Tracker