Pocket next to a spreadsheet, an aggregator app and a broker's app.
Three common ways to keep track of money, described as categories, not companies. What is said of Pocket you can check in the app and on the Security page.
No ranking and no named products: each category is for something different.
- +Investments6 holdings and cash · 7 lines₹9,16,037
- +Accounts5 accounts₹14,41,000
- −Liabilities2 balances₹4,38,400
- Net worth₹19,18,637
A spreadsheet: yours to build, yours to get right.
Pocket imports and adds up for you, and shows each sum.
| Question | A spreadsheet | |
|---|---|---|
| Where the data lives | In the file you save, wherever you keep it | In a database on your computer or phone. No server, no account |
| Who does the sums | You, in formulas you write and keep right | Pocket, the same way every time; Show working lists the entries behind a figure |
| Statements | You paste or reformat them | Bank CSVs and CAMS or KFintech statements, imported only where every line adds up |
| India's tax | Only if you build the slabs | A planning estimate on the Finance Act's slabs, rebate and surcharge, not a filing |
Account-aggregator apps: your accounts, through a regulated route.
Pocket takes the other route: a file you import, and no bank login.
| Question | An aggregator app | |
|---|---|---|
| How it reaches your accounts | Through an account aggregator, with your explicit consent | A statement file you download yourself and import. No bank login |
| What it can see | What the institutions share through that consent | What is in the file you choose to import |
| Where the figures are kept | Varies by app: read its privacy policy | On your device. Four connections exist, each off until you turn it on |
In India an account aggregator must be registered with the Reserve Bank and works on the customer's explicit consent: RBI Master Direction, Account Aggregator (Reserve Bank) Directions, 2016.
A broker's app: your holdings with that broker.
Pocket puts holdings from every place beside your accounts and debts.
| Question | A broker's app | |
|---|---|---|
| What it shows | What you hold with that broker | Holdings you enter or import from several places, with accounts and liabilities, in one net worth |
| Your other money | Held elsewhere, so not in it | Counted: cash, retirement accounts and loans sit beside the holdings |
| What it does | Can place orders, as a broker's app is for | Reports figures, targets and gaps. It never moves money or places a trade |
Check every line about Pocket yourself.
Each one is in the app, or on the Features and Security pages. Free for Windows, macOS, Linux and Android.
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