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The money app that shows its working.

A private personal finance app for salaried people in India: salary, investments, loans, goals and tax, added up on your own device. Every figure opens to its entries, prices and dates.

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Free forever · 14-day Founder Pro trial, no card · Founder Pro ₹499 a month

No account. No bank logins. This page made 0 third-party requests.

Net worth · sample data

₹19,18,637.36

₹9,16,037.36Investments7 lines, at the last prices you entered
  1. HDFC Bank120 × ₹1,540.00 · entered 4 Sep 2025₹1,84,800.00
    1. 4 Sep 2025Buy 120 @ ₹1,540.00 · fee ₹180.00
  2. Apple Inc.12 × $182.00 × ₹83.20 · entered 5 Sep 2025₹1,81,708.80
    1. 5 Sep 2025Buy 12 @ $182.00 · ₹83.20/$ · fee ₹240.00
  3. Investing cashdeposits − purchases − fees · 1 deposit and 28 purchases₹1,34,106.58
    1. Deposits · 1₹9,00,000.00
    2. Purchases · 28−₹7,65,263.42
    3. Fees · 15−₹630.00
  4. Nippon India Nifty 50 BeES444.88 × ₹286.10 · entered 5 Sep 2026₹1,27,280.17
    1. 5 Oct 2025SIP 39.22 @ ₹255.00 · fee ₹5.00
    2. 5 Nov 2025SIP 38.7 @ ₹258.40 · fee ₹5.00
    3. 5 Dec 2025SIP 38.15 @ ₹262.10 · fee ₹5.00
    4. 5 Jan 2026SIP 38.49 @ ₹259.80 · fee ₹5.00
    5. 5 Feb 2026SIP 37.55 @ ₹266.30 · fee ₹5.00
    6. 5 Mar 2026SIP 36.91 @ ₹270.90 · fee ₹5.00
    7. 5 Apr 2026SIP 37.29 @ ₹268.20 · fee ₹5.00
    8. 5 May 2026SIP 36.42 @ ₹274.60 · fee ₹5.00
    9. 5 Jun 2026SIP 35.8 @ ₹279.30 · fee ₹5.00
    10. 5 Jul 2026SIP 36.13 @ ₹276.80 · fee ₹5.00
    11. 5 Aug 2026SIP 35.27 @ ₹283.50 · fee ₹5.00
    12. 5 Sep 2026SIP 34.95 @ ₹286.10 · fee ₹5.00
  5. Sovereign Gold Bond 203020 × ₹6,100.00 · entered 8 Oct 2025₹1,22,000.00
    1. 8 Oct 2025Buy 20 @ ₹6,100.00
  6. Parag Parikh Flexi Cap Fund1,226.843 × ₹85.90 · entered 5 Sep 2026₹1,05,385.81
    1. 5 Oct 2025SIP 110.957 @ ₹72.10
    2. 5 Nov 2025SIP 108.992 @ ₹73.40
    3. 5 Dec 2025SIP 106.88 @ ₹74.85
    4. 5 Jan 2026SIP 107.817 @ ₹74.20
    5. 5 Feb 2026SIP 104.031 @ ₹76.90
    6. 5 Mar 2026SIP 102.106 @ ₹78.35
    7. 5 Apr 2026SIP 103.093 @ ₹77.60
    8. 5 May 2026SIP 99.875 @ ₹80.10
    9. 5 Jun 2026SIP 97.029 @ ₹82.45
    10. 5 Jul 2026SIP 97.919 @ ₹81.70
    11. 5 Aug 2026SIP 95.012 @ ₹84.20
    12. 5 Sep 2026SIP 93.132 @ ₹85.90
  7. Bitcoin0.012 × $61,000.00 × ₹83.00 · entered 11 Nov 2025₹60,756.00
    1. 11 Nov 2025Buy 0.012 @ $61,000.00 · ₹83.00/$ · fee ₹150.00
₹14,41,000.00Accounts5 accounts: bank, EPF and PPF balances you entered
  1. Employees' Provident FundRetirement · on 10 Aug 2026₹8,14,000.00
  2. Public Provident FundRetirement · on 30 May 2026₹3,22,000.00
  3. HDFC SavingsCash & bank · on 25 Sep 2026₹2,42,000.00
  4. ICICI Salary accountCash & bank · on 25 Sep 2026₹61,500.00
  5. Old Paytm walletCash & bank₹1,500.00
₹4,38,400.00Liabilities2 balances you entered
  1. Car loanowed₹4,20,000.00
  2. HDFC Regalia credit cardowed₹18,400.00
Data
Sample, fictional
Prices
Last entered · live off
Entries
29 and 2 balances
As of
27 Sep 2026

From what you entered to one number.

  1. What you entered

    29 entries over a year: 1 deposit, 4 purchases and 24 monthly SIPs. Plus 5 account balances and the 2 balances you owe.

    Typed once, or read from files you already have: a bank statement (CSV; HDFC Bank, ICICI Bank, SBI, Axis Bank and Kotak by name, any other bank by its columns), the CAS that CAMS or KFintech emails you (PDF), or your investments (CSV). Read on this device; never a bank login. Every file it reads

    Entries · 29sample data
    What you entered
    DateEntrySymbolDetail
    2 Sep 2025Depositcash₹9,00,000.00
    4 Sep 2025BuyHDFCBANK120 @ ₹1,540.00 · fee ₹180.00
    5 Sep 2025BuyAAPL12 @ $182.00 · ₹83.20/$ · fee ₹240.00
    5 Oct 2025SIPNIFTYBEES39.22 @ ₹255.00 · fee ₹5.00
    5 Oct 2025SIPPPFAS-FLEXI110.957 @ ₹72.10
    8 Oct 2025BuySGBAUG3020 @ ₹6,100.00
    5 Nov 2025SIPNIFTYBEES38.7 @ ₹258.40 · fee ₹5.00
    5 Nov 2025SIPPPFAS-FLEXI108.992 @ ₹73.40
    11 Nov 2025BuyBTC0.012 @ $61,000.00 · ₹83.00/$ · fee ₹150.00
    5 Dec 2025SIPNIFTYBEES38.15 @ ₹262.10 · fee ₹5.00
    5 Dec 2025SIPPPFAS-FLEXI106.88 @ ₹74.85
    5 Jan 2026SIPNIFTYBEES38.49 @ ₹259.80 · fee ₹5.00
    5 Jan 2026SIPPPFAS-FLEXI107.817 @ ₹74.20
    5 Feb 2026SIPNIFTYBEES37.55 @ ₹266.30 · fee ₹5.00
    5 Feb 2026SIPPPFAS-FLEXI104.031 @ ₹76.90
    5 Mar 2026SIPNIFTYBEES36.91 @ ₹270.90 · fee ₹5.00
    5 Mar 2026SIPPPFAS-FLEXI102.106 @ ₹78.35
    5 Apr 2026SIPNIFTYBEES37.29 @ ₹268.20 · fee ₹5.00
    5 Apr 2026SIPPPFAS-FLEXI103.093 @ ₹77.60
    5 May 2026SIPNIFTYBEES36.42 @ ₹274.60 · fee ₹5.00
    5 May 2026SIPPPFAS-FLEXI99.875 @ ₹80.10
    5 Jun 2026SIPNIFTYBEES35.8 @ ₹279.30 · fee ₹5.00
    5 Jun 2026SIPPPFAS-FLEXI97.029 @ ₹82.45
    5 Jul 2026SIPNIFTYBEES36.13 @ ₹276.80 · fee ₹5.00
    5 Jul 2026SIPPPFAS-FLEXI97.919 @ ₹81.70
    5 Aug 2026SIPNIFTYBEES35.27 @ ₹283.50 · fee ₹5.00
    5 Aug 2026SIPPPFAS-FLEXI95.012 @ ₹84.20
    5 Sep 2026SIPNIFTYBEES34.95 @ ₹286.10 · fee ₹5.00
    5 Sep 2026SIPPPFAS-FLEXI93.132 @ ₹85.90
    Balances you entered
    AccountEmployees' Provident Fund₹8,14,000.00
    AccountPublic Provident Fund₹3,22,000.00
    AccountHDFC Savings₹2,42,000.00
    AccountICICI Salary account₹61,500.00
    AccountOld Paytm wallet₹1,500.00
    OwedCar loan₹4,20,000.00
    OwedHDFC Regalia credit card₹18,400.00

  2. What Pocket does with it

    Each holding is its quantity times the last price you entered, in rupees at that entry’s rate. Cash is deposits less purchases and fees.

    Lines · 7quantity × last price
    What Pocket does with it
    LineWorkingValue
    HDFCBANK120 × ₹1,540.00₹1,84,800.00
    AAPL12 × $182.00 × ₹83.20₹1,81,708.80
    cashdeposits − purchases − fees₹1,34,106.58
    NIFTYBEES444.88 × ₹286.10₹1,27,280.17
    SGBAUG3020 × ₹6,100.00₹1,22,000.00
    PPFAS-FLEXI1,226.843 × ₹85.90₹1,05,385.81
    BTC0.012 × $61,000.00 × ₹83.00₹60,756.00
    Investments₹9,16,037.36

  3. One figure, with its working

    Assets less what you owe: your net worth, worked out on your device, every step open.

    Net worthinvestments + accounts − liabilities
    One figure, with its working
    Investments₹9,16,037.36
    Accounts₹14,41,000.00
    Liabilities−₹4,38,400.00
    Net worth₹19,18,637.36
    Computed
    On your device
    Network
    None · live prices off
    Entries
    29 + 7 balances
    Oldest price
    HDFCBANK, 4 Sep 2025

Now try it on your salary.

This year's tax under both regimes, by the rules of Pocket's Tax page, worked out here and sent nowhere.

₹18,00,000

₹5,00,000₹50,00,000

Up to ₹12,75,000 a year, the new regime's rebate leaves no tax.

New regime

₹1,50,800

Old regime with ₹1,50,000 of 80C and ₹25,000 of 80D

₹2,96,400

The new regime is ₹1,45,600 lower.

The old regime is no higher only once its deductions, beyond its standard deduction, reach ₹6,41,667.

The app itself, on the sample person.

Captures of Pocket itself on the same sample figures, and a short film; nothing is drawn.

Pocket's Overview, on the sample person's data: Investments, 12 months, Needs a look, Next 14 days.
  1. Net worth, written as the sum it is: investments + accounts − liabilities.
  2. Show working opens any figure's entries, prices and dates.
  3. The line the investments figure comes from, a year back.
  4. What needs a look, in words, the biggest gap first.
  5. The next 14 days of bills, by day.
Pocket 3.2.11 · sample person · 29 Sep 2026
Pocket's Tax page, on the sample person's data.
  1. The year's tax in one sentence: TDS, and what is left to pay.
  2. Both regimes on the same payslip, the lower one outlined.
  3. Every deduction named, with the rule it comes from.
  4. The estimate in five lines that add up.
  5. Each advance-tax date, on what TDS leaves.
Pocket 3.2.11 · sample person · 29 Sep 2026
Pocket's Goals & retirement, on the sample person's data.
  1. One verdict against what retirement needs.
  2. How it is worked out, one press away.
  3. Step-up and flat SIP against the need, to 2051.
  4. What-ifs that never change your plan.
Pocket 3.2.11 · sample person · 29 Sep 2026
Pocket on a phone: Home, on the sample person's data.Pocket on a phone: Money, on the sample person's data.
On a phone, over your own Wi-Fi: Home and Money, from the computer Pocket runs on.Pocket 3.2.11 · sample person · 29 Sep 2026
The sample person in 41 seconds: net worth, the working behind it, both tax regimes, goals and the phone. Captioned, without a voice-over, and loaded only when you press play.
Read the transcript
  1. This is Pocket, on a sample person.
  2. Net worth is ₹19,18,637: investments ₹9,16,037 plus
  3. accounts ₹14,41,000, less ₹4,38,400 owed.
  4. Show working lists every entry behind that figure, down to the paisa.
  5. Tax puts both regimes side by side:
  6. ₹3,03,420 under the new regime, ₹4,23,821 under the old.
  7. Goals projects ₹8.45 crore at 55, against ₹6.44 crore needed.
  8. The phone app shows the same figures.
  9. Your data stays on your device. Download free at mypocketfi.com.
Every screen, on Features

Your financial data never leaves your device.

Not by default, never quietly: no Pocket account, no Pocket server. Prices, sync and the update check run only when you switch them on, and only to where you send them.

0

third-party requests made by this page, counted by your own browser as it loaded. How Pocket is built

  • Your financial databaseOn this deviceNever uploaded to Pocket. On Windows you can encrypt it, off by default; the document vault and encrypted sync are locked with a passphrase only you know. How each is encrypted
  • Live pricesOffSymbols only, never your name, quantities, prices paid or accounts.

    For the sample person, the symbols asked for: Yahoo Finance: AAPL, INR=X, HDFCBANK.NS, NIFTYBEES.NS, GC=F; Binance: BTCUSDT; AMFI: nothing; Pocket downloads the day’s file of every fund’s NAV and finds yours in it.

  • Encrypted syncOffAn encrypted copy, sealed with your passphrase, goes only to the folder you choose.

    One file: your whole database, encrypted under your passphrase and written to that folder. Pocket sends it nowhere else; whatever syncs that folder moves it.

  • Update checkOffAsks mypocketfi.com for the latest version number, only when you choose.

    One request for mypocketfi.com/latest.json, with “Pocket” as its user agent. Nothing about you or your figures.

  • Hosted AINot in this buildAsk Pocket answers from your figures on this device. No published build sends a question to an AI service.

What Pocket will never do.

Trust needs boundaries as much as it needs features.

  • No trades.It never executes transactions or moves real money. Planning only.
  • No bank logins.It never asks for credentials. Imports are file-based, by design.
  • No guarantees.Projections are illustrations with stated assumptions, never promised outcomes.
  • No advice.Not a SEBI-registered adviser, and not a replacement for one.
  • No data grab.Your financial database is never uploaded to Pocket servers by default.

Asked first.

The rest are in the guides and on Support.

Is Pocket free?

Yes. The Free plan tracks everything, with no time limit and no card. Each install starts with 14 days of Founder Pro; after that Pocket stays on Free unless you buy Founder Pro (₹499 a month or ₹4,999 a year) or Lifetime Founder (₹14,999 once).

Does Pocket need my bank login?

No. It reads the statements you download from your bank and your mutual-fund registrar, on your device, and never asks for a login, a password to your bank or an OTP.

Where is my data kept?

On your own device: in a database on your computer, which your phone can open over your own Wi-Fi, or inside the Android app. There is no Pocket server and no account, so there is nothing of yours for Pocket to see.

Which devices does it run on?

Windows 10 and 11 (64-bit), macOS on Apple silicon, Linux (Ubuntu 24.04, Debian 13 or newer, and an AppImage), and Android 7.0 or later. Pocket 3.2.11, published 26 October 2026.

Is Pocket investment advice?

No. Pocket is not registered with SEBI and gives no advice. It reports each figure, its target and the gap between them, and leaves the decision with you.

The money app that shows its working.

Download freeSee every feature

Free forever, no card; 14 days of Founder Pro on every install, then ₹499 a month or ₹4,999 a year, or Lifetime Founder ₹14,999 once. What Founder Pro adds

Pocket 3.2.11 · 26 October 2026 · 2 releases since 12 October 2026 · Windows, macOS, Linux and Android

After you download

  1. Install one fileNo account and no sign-in. Windows and macOS warn on its first run, as the builds are not code-signed yet: check it against its SHA‑256 on the Download page first.
  2. Start on the samplePocket opens on the sample person from this page, labelled as a sample.
  3. Add your own numbersImport a bank or mutual-fund statement, or type an entry. The sample goes once your own figures are in.
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