Pocket vs Worth

Pocket is the expense tracker that gets smarter every time you use it. No spreadsheets. No manual setup. Just open the app, confirm what it already knows, and move on. LEARNS YOUR HABITS Pocket silently learns your patterns. It knows you grab coffee on weekday mornings, order food on Friday evenings, and pay your subscriptions on the same date. Over time, it pre-fills amounts, pre-selects categories, and surfaces the right merchants before you even start typing. ADD AN EXPENSE IN UNDER 5 SECONDS Open the app. Your most likely amount is already suggested. Category and merchant suggestions are ready as instant-tap chips. Confirm and you're done. Pocket is faster than any other expense app on the market. YOUR DASHBOARD IS YOUR COMMAND CENTER One number tells you everything: Left to Spend. Not just your balance — your budget minus upcoming known expenses, recalculated daily. Below it, a monthly timeline shows the shape of your spending. Customise list views to show/hide tags and account details. SMART FEATURES THAT WORK QUIETLY - Time-aware amount suggestions based on your last 90 days - Category & Subcategory suggestions as you type - Merchant memory ranked by frequency and recency - Automatic recurring bill detection — no manual setup - Spending spike alerts when any category exceeds 2x your average - Contextual bank account memory — remembers which account you use - Account-to-Account transfers — move money without skewing expense totals - Biometric App Lock — secure your data with FaceID / TouchID unlock ICLOUD & LOCAL BACKUPS Enjoy complete peace of mind. Pocket automatically backs up your data to iCloud in the background—keeping it secure and entirely private. You can also export your history as a secure, local .pocket file. RECEIPTS & DOCUMENT ATTACHMENTS Never lose a receipt. Snap a photo, choose from your gallery, or upload PDF invoice files directly to any transaction. View full-screen interactive previews anytime. NESTED SUBCATEGORIES & CUSTOM TAGS Track spending with total precision. Create custom tags to filter transactions across dimensions, and use nested subcategories (like Food > Groceries) for granular logs. Easily bulk-update subcategories for past transactions. HOME SCREEN WIDGETS Keep your finances visible. The Quick Add widget lets you log expenses directly from your home screen in two taps. Today's spend and monthly total are always visible. Fully supports Light and Dark themes. MULTIPLE BOOKS & ACCOUNTS Separate personal and business expenses with Books. Switch between them instantly. Copy existing bank accounts between Books. Adjust cash balances with automatic offset calculations, and view total balances across Cash, Banks, and Wallets. INTERACTIVE ANALYTICS See spending by category, subcategory, merchant, account, and time period. Tap any segment in your charts to jump straight to its pre-filtered transaction list. COMPLETELY PRIVATE BY DESIGN No account required. No cloud sync to third-party servers. No ads. Ever. Every piece of data lives on your device. All suggestions, patterns, and predictions run entirely on-device. Nothing is sent anywhere. AVAILABLE IN 18 LANGUAGES English, Arabic, Chinese (Simplified & Traditional), French, German, Spanish, Portuguese, Italian, Japanese, Korean, Dutch, Polish, Swedish, Czech, Thai, Indonesian, Vietnamese, and Malay.

Worth is a net worth tracker that treats your money as nobody's business but yours. No sign-up. No bank linking. No servers. No analytics. The app makes zero network calls — your accounts, balances, and history live in a private database on your device, synced only through your own iCloud. That's the whole story. WHAT IT DOES • One calm number: your net worth, with a monthly delta and 12-month trend — no daily flicker, no red-green anxiety • A five-minute monthly ritual: walk through your accounts, type the new values, see what changed • Built for Indian portfolios: FDs, EPF, PPF, NPS, SGB, gold in grams, real estate — alongside global stocks, crypto, and any currency • Fixed deposits track themselves: enter principal, rate, and dates once — Worth computes today's value, maturity value, and handles auto-renewal • Scan instead of typing: photograph a bank FD page, holdings screenshot, or PDF statement — on-device OCR pre-fills your deposits and mutual funds for review. The image is read entirely on your iPhone and never uploaded • Insights that tell the truth: FD maturities, milestones, biggest movers, debt ratio, and stale accounts — every account measured from when you added it, so a new account never passes for growth • Runway for when savings are funding life: your monthly drawdown, how long spendable money lasts, and your emergency reserve kept separate • Spend-first order: which account to draw from first (lowest return), with emergency cash and EPF/PPF never suggested • Charts and projections: allocation, trends, per-asset-type history, and "at this pace you reach ₹X by year Y" • Home Screen, Lock Screen and Control Center widgets; Siri & Spotlight for "what's my net worth?" • CSV export and import — your data is portable, always • Face ID lock, Indian numbering (₹12,34,567), dark mode designed first-class WHAT IT COSTS Free: up to 3 accounts, full monthly check-in, dashboard, 1-year chart, CSV export. One purchase unlocks everything, forever: unlimited accounts, all chart ranges, insights, runway and projections, goals, widgets, themes, CSV import. No subscription. Ever. Face ID lock and CSV export stay free for everyone — a privacy app that holds your own data hostage would be no privacy app at all. WHAT IT NEVER DOES • No price fetching — you own every number in the app • No bank linking, no SMS reading, no email scraping • No accounts, no cloud (except your own private iCloud), no ads, no analytics • Deleting is never instant: accounts wait in Recently Deleted for 30 days The App Store privacy label says "Data Not Collected" because there is nothing to collect.