Money,
made clear.
Pocketa is the calm way to track every naira and dollar: spending, budgets, bills, savings and debts, across all your accounts. It tells you what your numbers mean, not just what they are.
Android and iPhone. Free, with an optional one-time upgrade.
Quick add
Add it in five seconds.
Tap +, type the amount, pick a category, done. One screen covers everything that happens to your money, and a home-screen widget gets you there in one tap.
How Pocketa thinks
Money doesn’t come from thin air. Neither do your numbers.
Most trackers let money appear and disappear. In Pocketa, every movement is a transaction that says where it came from and where it went, so your balances match your bank and your reports tell the truth.
Transfers aren’t spending
Moving ₦100k from GTBank to Opay changes both balances, and counts as neither income nor expense.
Savings come from somewhere
Adding to a goal moves money out of a real account. A gift from a friend is income first, then a transfer.
Loans aren’t income
Borrowed money arrives in an account but isn’t earnings. Interest you pay or earn is counted, the rest isn’t.
Expected isn’t received
Your salary shows as expected on payday, and only counts once you confirm it actually landed.
Budgets
Budgets that keep pace with you.
Set a limit for the day, week, month, year or a trip. Pocketa shows how much is left, whether you’re spending faster than the period is passing, and warns you before you go over. Unused money can roll over.
- ✓Overall or per category
- ✓Pace marker and projections
- ✓Rollover and early warnings
Bills & recurring
Never miss a bill. Never fake a payment.
Rent, subscriptions, DSTV, your salary: all on one calendar with reminders. Fixed ones record themselves on the day. The ones that change wait for you to confirm the real amount, so your balance is always true.
- ✓Reminders before the due date
- ✓“Sure” vs “ask me first”
- ✓Expected money shown, not counted
Savings goals
Save for what matters.
A new laptop, rent, an emergency fund. Each goal is its own pot, filled from a real account. If a friend chips in, it lands in your account first and then moves to the goal, just like in real life.
- ✓Targets, dates and monthly plans
- ✓Automatic contributions
- ✓A celebration when you get there
Debts & lending
Who owes who, sorted.
Money you lent and money you owe, with partial repayments, interest and due-date reminders. Loans move money between real accounts, and they’re never mixed up with your income or spending.
- ✓Partial repayments
- ✓Interest settled first, and counted
- ✓Forgive what’s left, honestly
See it in action
Pocketa in two minutes.
A quick tour of the real app. Each feature also has its own page and video.
The two-minute tour
Insights
Charts that explain themselves.
Pocketa compares like with like (this month so far against the same days last month) and tells you in plain words what changed. Reports cover any week, month, year or date range, and export to PDF, Excel and CSV.
Everyday
Built for how you actually use money.
Every account
Banks, Opay, PalmPay, cash, savings and dollar wallets, each with its own balance and history.
Reconcile in seconds
Type what your bank app shows. Any difference is recorded as an adjustment, never hidden.
Reminders that matter
Bills, loans due back, budget warnings, and a gentle 6 pm nudge if nothing was recorded today.
Home-screen widget
Expense, Income, Transfer, Pay bill, Save or Loan in a single tap, on Android and iPhone.
Search everything
Find any payee, amount, tag or category. Filter by account, type or day.
Hide balances
One tap blurs every amount, for when someone is looking over your shoulder.
Long-press the Pocketa icon for Add expense, Add income or Transfer, or put the Quick add widget on your home screen.
Private by design
Your money is your business. Literally.
Stays on your phone
No account to create, no servers holding your transactions.
Encrypted at rest
An encrypted database, with its key in your phone’s secure keystore.
Locked when you want
PIN, Face ID or fingerprint, re-locking after a time you choose.
Backups only you can open
Encrypted with your passphrase, saved to your own Google Drive or iCloud.
Pricing
Free for everyone. Plus, for life.
No subscription, ever. Pocketa Plus is one payment that’s yours for life.
Pocketa
Everything you need to run your money.
Free
- ✓Unlimited accounts and transactions
- ✓Budgets, bills, goals and loans
- ✓Reports, insights and reminders
- ✓Quick add widget
- ✓Encryption, PIN and biometric lock
- ✓Encrypted backups
Supported by a small, occasional banner on a few screens. Never while you add money.
Pocketa Plus
For people who live in the app.
One-time · lifetime
- ✓No ads, ever
- ✓Automatic daily cloud backup
- ✓Pro reports with PDF and Excel export
- ✓Import bank statements
- ✓Unlimited budgets and goals
- ✓Coming: balance widgets, receipt scanner, multiple profiles, themes
Do I need to connect my bank?+
No. Pocketa never asks for bank logins. You record transactions yourself (it takes about five seconds) or import a statement CSV. That’s what keeps it private and lets it work offline.
Does it work without internet?+
Yes, completely. Everything is stored on your phone. The internet is only used if you turn on cloud backup, and for the app store.
Can I track naira and dollars?+
Yes, and any other currency. Each account has its own currency and Pocketa never adds them together. If you save an exchange rate, it shows an approximate combined total and says so.
How is my data protected?+
Your data is stored in an encrypted database on your phone, with the key in the phone’s secure keystore. You can add a PIN and Face ID or fingerprint lock. Backups are encrypted with your own passphrase before they leave the phone.
What if I change phones?+
Turn on backup to your Google Drive or iCloud, or export an encrypted backup file. On the new phone, restore it with your backup passphrase.
Is Pocketa free?+
Yes. Accounts, transactions, budgets, bills, goals, loans, reports, reminders and backups are free. Pocketa Plus is a single lifetime purchase that removes ads and adds extra features. There is no subscription.
Who makes Pocketa?+
Pocketa is made by MayR Labs (MLabs Technologies Ltd), a Nigerian software company in Asaba, Delta State.