Smart personal finance
without the friction.
Pouchly automatically logs your bank transactions directly from SMS, tracks live balances across your accounts, and gives you total financial clarity. Zero manual typing. 100% private on your phone.
Effortless money management. Zero bloat.
Most finance apps are cluttered with credit card loans and slow syncing bugs. Pouchly is fast, focused, and dedicated solely to keeping your finances organized.
Automated SMS Transaction Ingestion
Never manually log a receipt or coffee again. Pouchly passively listens for bank transaction SMS notifications on your phone, parses the merchant, amount, and timestamp, and records it immediately.
Real-Time Multi-Account Balances
Track checking accounts, savings, credit cards, and digital wallets side-by-side in one cohesive dashboard. View updated live balances as new transactions arrive.
Financial Health Score & Velocity
Get a comprehensive financial health score out of 100 evaluating your savings rate, monthly burn velocity, and category allocations. Know exactly where your money goes.
100% On-Device, Zero-Cloud Storage
Your bank balance and expense habits are strictly private. Pouchly stores all financial records locally in an encrypted Room SQLite database on your physical phone.
From chaotic receipts to effortless budgeting.
Pouchly removes the tedious friction that causes 90% of people to abandon budgeting within two weeks.
Install in under 30 seconds
Download Pouchly directly from the Google Play Store. It is lightweight (under 15MB), fast, and requires zero complicated bank account logins or OAuth linking.
Auto-detect expenses via SMS
Grant local SMS permission. Whenever your bank sends a debit alert for groceries, coffee, or bills, Pouchly extracts the amount and merchant instantaneously on-device.
Stay disciplined & save more
Check your category envelopes at a glance. Visual pacing meters inform you exactly how much you can safely spend today without blowing your monthly targets.
Your finances should remain strictly between you and your phone.
Most fintech apps act like spyware disguised as budgeters. Pouchly was built with a privacy-first, local-only ethos from line one.
Zero Remote Servers
Your transaction records never transit to our servers or third-party cloud analytics. Everything stays physically on your phone.
No Creepy Telemetry
We do not profile your shopping habits, build consumer dossiers, or monetize your personal transactional history.
Encrypted Room Database
Data is stored using Google Android’s secure SQLite Room persistence layer protected by sandbox OS permissions.
No Bank Logins Required
Never risk entering online banking usernames, passwords, or Plaid tokens. Pouchly works completely decoupled from banking credentials.
Simple answers to common questions.
Everything you need to know about how Pouchly manages your personal finances.
When your bank sends an SMS confirming an expense (such as a card swipe, UPI transaction, or ATM withdrawal), Pouchly’s on-device parser reads the text on your phone. It automatically extracts the merchant name, debited amount, and timestamp, logging it into your dashboard without you needing to type anything.
