Pockito vs NYS

Pockito is an expense tracker and daily budget planner that fills itself in. No bank login. Your data is never sold. KEY FEATURES • Safe to spend: one daily number after bills and savings • Apple Pay and bank texts that log themselves • Voice entry: say "45 at Trader Joe's" and fix any part in place • Receipt scanner that reads every line into items with categories • Budget alerts and bill reminders before the money is gone • Bills, subscriptions and expected income in one Repeating tab • Wallet: cash, bank accounts and cards, each with its own balance • An AI assistant that sets limits, adds bills and answers questions • Recaps for any week, month or dates, free for everyone • Incognito Mode: no account, and your records stay on this device LOGS ITSELF • Apple Pay: tap at the register and the expense shows up a moment later. • Bank texts: when your bank texts you about a purchase, Pockito reads the message and files the expense. Formats for 54 banks and wallets in 14 countries are built in, Chase and Bank of America among them, and its AI reads messages from other banks. • Voice: tap the mic and say "Spent 80 on groceries". • Receipts: hold the camera over one and every line becomes an item. Screenshots, PDFs and pasted text work too, and you can attach a receipt to an entry you already have. • By hand: typing an entry yourself is free, with no monthly cap. Apple Pay and bank texts each run on a Shortcuts automation you set up once. IT LEARNS, AND IT ASKS • Fix a category once and Pockito remembers it. • Tell it which account a card belongs to, and that card's next texts go there. • Unclear messages wait in "To review" until you decide. • With Pro, rules file your bank messages for you. ASK POCKITO Type or say what you want: • "Keep dining under $200 this month" sets the limit. • "Add Netflix, $15.99 a month" adds the bill and reminds you before it renews. • "How much went to Uber last week?" gets a straight answer. • "Am I on track for my $2,000 savings goal?" checks your progress. It asks before it deletes anything, and it answers in your language. AHEAD OF YOUR BILLS • Budget alerts as you near a limit: "You're at 90% of your Food & Dining budget." • Bill reminders: "Netflix is due tomorrow." • The Repeating tab flags a free trial about to end and a subscription with no recorded spending for 60 days. • Add a warranty to a purchase and Pockito reminds you 30, 7 and 1 day before it ends. • Insights warns you early: "On pace to finish $90 over budget", unusual spending, a price that went up. Free shows the top alert, Pro shows them all. SEE WHERE IT WENT • Give any category a limit in Insights and see what's left. • Pick a week, a month or your own dates for a recap. YOUR ACCOUNTS AND NET WORTH • Wallet keeps cash, bank accounts, cards and savings, each with its own balance. • Credit cards show their limit and due date. • Add gold too. Net worth comes with Pro. YOUR DATA • Sign in to sync your devices, or use Incognito Mode with no account. • Lock the app with Face ID. • With Pro, import bank statements (CSV, Excel, PDF, OFX), export to CSV, Excel or PDF, and back up to iCloud. ALSO IN POCKITO • 23 Home Screen and Lock Screen widgets (Pro) • Shortcuts in all 24 of the app's languages, and Siri in each one Siri speaks • Full right-to-left Arabic FREE AND PRO Free: every manual entry, your full history, recaps, budget alerts and bill reminders, plus a first taste of automatic tracking, voice, scanning and AI chat. Pro: no limits on those, more accounts, categories and bills, net worth, widgets, every Insights alert, import, export and backup, and rules for bank messages. Support: support@pockitoai.app Privacy: https://pockitoai.app/privacy Terms: https://pockitoai.app/terms

NYS — Know Your Self One simple equation runs your whole month: Income − Fixed − Variable = what you can save. Most trackers only tell you what you already spent. NYS tells you what you can still spend — today. TODAY'S NUMBER • "You can still spend RM47" — recalculated every day from what is actually left this month • Spending pace: on track, a little fast, or red line, with today's marker on the bar • Home-screen widget and a one-tap shortcut to log an expense in three seconds YOUR MONTH, AT A GLANCE • Fixed costs set once, added automatically every month, with due-date reminders • Monthly caps per category and an instant warning the moment you cross one • Charts by category plus a six-month income-vs-expense trend • Twelve-month savings view, savings goal with an estimated finish date • Malaysian income tiers (B1 to T2) — see where this month lands and how far the next band is • Rent vs buy calculator LIFE TOOLS, BUILT IN • What to eat — dishes that fit today's food budget, plus nearby eateries with typical prices (data from OpenStreetMap) • Health — log weight and height for a BMI band on Asian cutoffs, a daily calorie range matched to how active you actually are, and a simple wellness score; estimate calories from a photo of your meal • Cycle tracking — log period start dates and see your average cycle length • Family — due date and pregnancy week, plus each child's growth log, vaccination record and milestone notes • Travel — trip budget with a reality check, live exchange rates, an AI day-by-day itinerary that stays inside your budget, and a pre-trip checklist • AI money coach — three specific tips read from your own numbers, plus a chat helper for cooking and saving questions • Receipt scanning — the total is read on your device and the photo is kept as your record BUILT FOR MALAYSIA Categories that match real life here — F&B, Grab, Toll & TNG, Petrol, PTPTN, Angpau, Takaful — and EPF handled inside the savings equation. Ringgit first, with English, Chinese and Bahasa Melayu throughout. PRIVATE BY DEFAULT No account. No ads. No tracking. Your ledger, your receipts and your health data live on your device. AI features are opt-in and stay off until you turn them on. When you do, only anonymous totals are sent — never your notes, names or account details. Food photos are sent only with a separate consent and are discarded after analysis. Location is used only while you are looking for nearby food. AI suggestions and price estimates are for general guidance only, and are not professional financial or medical advice.