Free
$0
No time limit, no card needed
- Expenses, categories and payday-cycle reports
- 20 AI entries a day
- Up to 5 category budgets
- 3 months of history
- Offline logging, no ads
Now on the App Store, free to start
Who spent it?PockIQ knows.
Type “coffee 4.50, uber 12” and the app splits it into two entries with amount, category and date. Payday-cycle reports, and it works offline.
The Free plan has no time limit and needs no card
On Android? Get notified when it hits Google Play
AI entry
Type “coffee 4.50” and AI pulls out the amount, date and category.
What's in the app
Verifiable the moment you open it, not marketing numbers.
Vi + En
Bilingual input & interface
Offline
Log with no network, auto-sync
0ads
No ads, no data selling
How it works
Write one line, the app turns it into an entry
No spreadsheet, no seven fields. You write one line; the app pulls out the amount and category.
PockIQPay cycle 25 → 24
Language parsing by Groq
Understands everyday phrasing, slang included
Handles shorthand: cf, tsua, ck, petrol 50k, work lunch 35k. Amount, category and date in one pass. Several purchases in one sentence become several entries.
You type or say
- “Lunch noodles 30k”Recognized as: Expense
- “Cash 10 million”Recognized as: Asset
- “Lent Nam 2 million”Recognized as: Money lent
- “Borrowed 5 million from Lan”Recognized as: Debt
Coffee 4.50, uber 12
The cycle starts the day you're paid
12 days left
The cycle starts on payday, not the 1st. Budgets and reports both follow the date you set.
Net worth & debt ledger
148,500,000 ₫net worth
Cash, accounts, money lent out and card instalments in one table. Net worth updates with every change.
- Deposits + investments
- 210,000,000 ₫
- Card debt & loans
- -61,500,000 ₫
In-cycle alerts
The app tracks your pace and flags a category nearing its limit, while you can still adjust.
Dining is at 85% of its limit
12 days to payday. At this pace you go over.
Saving suggestion
840,000 ₫ under plan this cycle. Could go to the emergency fund.
Burn rate this cycle
- Dining
- 85%
- Transport
- 52%
- Shopping
- 31%
Compared with notes or spreadsheets
| Criteria | Notes / spreadsheet | PockIQ |
|---|---|---|
| Input | Manual entry / Excel | Natural language + AI |
| Categories | Basic tags | Categories + personal rules |
| Period tracking | Do the math yourself | Payday cycle + budget |
| Insights | Analyze yourself | AI report insights |
Your financial journey
Four steps, from one expense to the whole picture. Pick a step for details.
Natural input
Type or say “bubble tea 45k”, “groceries 320k”. Groq turns each into a transaction with amount, category and date. No long forms, no spreadsheets.
Data security
Enter your assets, debts, spending — we can't tell whose they are
Encrypted on Google Cloud infrastructure, the AI that categorizes your spending never gets your name or email, and you can always wipe everything, any time.
AES-256 encryption
On Google Cloud infrastructure, ISO 27001 & SOC 2 standard
The AI doesn't know who you are
Only your spending text is sent, never your name or email
No one can see your numbers
Not even our own team — every access goes through Firebase auth
Wipe it all, any time
One tap in Settings, no copy kept anywhere
A quick estimate
How much more could you save each month?
Drag the sliders to match your situation, then pick a cut. This is a what-if calculation, not a promised result.
$5,000.00
$2,000.00
The app flags categories creeping up and warns before a limit. What to cut is your call.
Pricing
Free for everyday tracking
Upgrade to Premium when you want faster AI, unlimited budgets and the full picture of your wealth.
Premium is billed by the App Store. Cancel anytime in your Apple ID settings, no need to contact anyone.
Premium
Monthly or yearly
Price shown in the app for your App Store region
- Everything in Free
- Faster AI on dedicated capacity, unlimited entries
- Unlimited category budgets
- AI insights and in-cycle alerts
- Net worth timeline, goals, debt payoff plan
- PDF/CSV export, 12 months of history
Download free on theApp Store
Get the app to upgrade
What users say about PockIQ
Freelancers with several income streams, and salaried people.
- Using it since beta
“I dropped a few finance apps after two weeks because picking a sub-category took so long. Here I type ‘cf 35k and shopee 150k’ and the app splits it into two entries.”
Hoàng NamSenior frontend dev & freelancer - Using it since beta
“I am paid on the 25th, so a calendar month never lined up. Now I open the app and see what is left until payday.”
Mai LinhBrand strategist · Ho Chi Minh City - Using it since beta
“The parking garage and a couple of supermarkets I use have no signal, but I can still log. It syncs once I am back online, with no duplicates.”
Tuấn AnhF&B chain manager · Hanoi
Start tracking with one sentence
Download free for iPhone, or use the web app in your browser right now. Both share one account.
On Android? Get notified when it hits Google Play