01
Set up your templates
Add your recurring expenses, income sources, and tags once. They become the rhythm every chapter inherits — you never type rent again.
Free while in early access — no plans, no card
Plan the chapter. Confirm what happened.
A chapter-based expense ledger for households. Rent and salary release as planned entries — you confirm what actually happened, so the balance only counts money that really moved.
Installs on your phone · Share with your household · No bank linking
Why it is different
Not another transaction log
Most money apps are a rear-view mirror. A chapter ledger is a windscreen — and the difference shows up in the one number you actually rely on.
A typical expense tracker
- Tells you what you already spent, once it is too late to act on it.
- Blends what you expect with what happened, into one fuzzy number.
- An infinite list with no beginning, no end, and no closing balance.
- You reconcile it in your head, or you do not reconcile it at all.
Your Pocket Manager
- Shows the whole chapter ahead, while you can still change how it ends.
- Planned and realized stay separate — a projection never counts as fact.
- Each chapter opens, closes, and carries its balance into the next.
- The closing balance is checkable against your account, to the cent.
How it works
Three steps, and the math stays honest
Set the rhythm once, let each chapter fill itself in, and confirm what actually happened. That last step is the whole idea.
- 02
Open a chapter
Your templates release themselves as planned entries the moment the window opens. Nothing touches your balance until you say it did.
- 03
Confirm what happened
Fix the actual amount if life disagreed with the plan, realize the entry, and close the chapter on a balance that matches your account.
The whole idea
Planned never counts. Realized always does.
Most trackers blur what you expect with what happened, and the number they show you is a guess wearing a suit. Here, a projection stays a projection until you confirm it — so the balance is only ever money that genuinely moved.
Opening balance
1,980
+
Realized income
4,800
−
Realized expenses
3,366
+
=Adjustments
0
Closing balance
3,414
Planned, not yet confirmed
246
Sits in the chapter, waiting for you — and stays out of the math until it is realized.
Modules
Eleven modules. One honest balance.
Every part of the app does one job and hands off cleanly to the next. All eleven are here, in full — nothing on this page is a teaser or a paid add-on.
Dashboard
Your household money at a glance.
- Home view of your household money at a glance.
- Shows open-chapter health, balances, and key totals.
- Only realized amounts count toward projections.
- Quick jump into chapters, pockets, and every other module.
- A read-first screen — no heavy data entry here.
Chapters
Time buckets that carry your balance forward.
- Time buckets — monthly, biweekly, or a custom window.
- Templates release planned entries the moment a chapter opens.
- You confirm entries to make them realized.
- Closing carries the balance into the next chapter's opening.
- Adjustments fix a chapter without rewriting history.
Expenses
Rent, bills, and subscriptions that release themselves.
- Recurring expense templates — rent, bills, subscriptions.
- Every matching open chapter gets a planned expense automatically.
- Confirm with the actual amount when it really happens.
- Tags on every entry for filtering and reporting.
- One-off spending can land straight in as a realized entry.
Income
Salary and side income, planned then confirmed.
- Recurring income sources — salary, side income, anything regular.
- Releases as planned income into every matching chapter.
- Confirm to realize it and update the chapter totals.
- The same planned-then-realized honesty as expenses.
- Taggable and filterable across the whole ledger.
Loans
Money lent or borrowed, repaying itself installment by installment.
- Track money you lent out or borrowed from someone.
- Follows principal, what is paid or returned, and the installment rhythm.
- Lent money releases planned income; borrowed money releases planned expenses.
- Confirming an installment updates the paid amount for you.
- The loan deactivates itself once it is fully repaid.
Savings
Somewhere for the cash a chapter leaves behind.
- Park the cash left over after a chapter closes.
- Accounts and goals for money with a longer horizon.
- Transfers move funds without faking ledger income.
- Feeds wishlist advice — save first, or buy now.
- Kept separate from day-to-day chapter spending.
Pockets
Cash envelopes that live outside the ledger.
- Independent cash envelopes — a wallet, a trip fund, whatever you keep separate.
- Each has its own starting balance and a live balance.
- Adjust up or down, and spend straight from the pocket.
- Never touches your chapter ledger balances.
- Inactive pockets drop out of dashboard totals.
Wishlist
Wants, with an honest answer about affording them.
- The things you want to buy, each with a target month.
- Advice weighs open-chapter cash against your savings.
- Tells you whether it fits now or needs funding first.
- Mark it purchased when you actually buy it.
- Keeps wants visible without polluting the ledger.
Wealth
The longer view, past this month.
- Broader net-worth style tracking.
- Assets, insurance, and the holdings around them.
- Complements the chapter ledger rather than replacing it.
- Useful for the picture that stretches beyond one month.
- Taggable, like every other domain entity.
Tags
One shared taxonomy for the whole household.
- A shared taxonomy across the entire household.
- Real categories and labels — references, not loose free text.
- Filter any list by tag across every module.
- Create a tag once, reuse it on expenses, income, loans, and more.
- Keeps reporting and search consistent everywhere.
Settings
Household, members, roles, and preferences.
- Household profile, members, and invitations.
- Roles: owner, member, and viewer — viewers are read-only.
- Module access and create limits are set by an admin.
- Currency, preferences, and logout live here.
- Always reachable, even when other modules are gated.
Why chapters
See the chapter, not the noise
A transaction log tells you what you already spent. A chapter tells you where the month is heading while you can still do something about it. Open a window, watch the planned rent and salary appear, confirm them as life catches up — then close on a balance you can actually check against your account.
- Opening balance carried from the last close
- Actual amounts editable at confirm time
- Adjustments for corrections without rewriting history
Households
Share the ledger. Keep the roles clear.
Money is rarely one person’s job. Invite a partner, a parent, or a flatmate into one household ledger — and give each of them exactly as much control as makes sense.
Owner
Runs the household.
- Everything a member can
- Invite and remove people
- Set roles
Member
Keeps the ledger moving.
- Add and edit entries
- Open and close chapters
- Confirm as realized
- Manage who is in the household
Viewer
Sees, without touching.
- Read every balance and list
- Follow the chapter as it fills in
- Change anything at all
Install
Keep it in your pocket
Your Pocket Manager installs straight from your browser — it is a progressive web app, so there is no app store, no download, and no waiting on updates. Takes about fifteen seconds.
Using Safari
- 1
Open Your Pocket Manager in Safari — Chrome on iOS can’t install apps.
- 2
Tap the Share button in the browser bar.
Share - 3
Scroll down and choose Add to Home Screen.
Add to Home Screen - 4
Tap Add. The icon lands on your home screen like any other app.
Free, and it never asks for an app store account.
- Opens full-screen from your home screen — no address bar
- Loads instantly, and keeps working on a weak connection
- Nothing to download from an app store, nothing to update
Pricing
There isn’t any. It’s free.
No tiers, no seats, no trial countdown, no card on file. Every feature on this page is the whole product, and you get all of it. If that ever changes, you will hear it from us first — not from a locked screen.
- Every module, every household role
- Unlimited chapters and entries
- Your data stays yours
FAQ
Questions, answered plainly
The things people ask before they start their first chapter.
- Is Your Pocket Manager free?
- Yes. It is free while in early access — no plans, no tiers, no seats, and no card on file. Every module is included for everyone.
- What is a chapter-based expense ledger?
- Instead of one endless list of transactions, you open a window of time — a month, a fortnight, or a custom range. Your recurring expenses and income release into that chapter automatically, and the chapter closes with a balance that carries into the next one.
- What is the difference between a planned and a realized entry?
- A planned entry is a projection: it has been released from a template but has not happened yet, and it never counts toward your totals. A realized entry is one you have confirmed actually happened, with its real amount. Only realized entries move your balance.
- How is the closing balance calculated?
- Closing balance equals the opening balance, plus realized income, minus realized expenses, plus any adjustments. Planned entries are deliberately excluded, so the number always reflects money that genuinely moved.
- Can I install it on my phone?
- Your Pocket Manager is a progressive web app, so it installs straight from your browser onto your home screen — no app store, no download, and no updates to chase. On iPhone use Safari's Share menu and Add to Home Screen; on Android use Chrome's menu and Install app.
- Can I share it with my partner or family?
- Yes. Data is owned by a household, and you invite people into it as an owner, a member, or a viewer. Viewers are read-only, so you can share the picture without handing over the controls.
- Do I need to connect a bank account?
- No. There is no bank linking and no credential sharing. You set up your recurring expenses and income once, and confirm what actually happened as the chapter runs.
Start your first chapter on Your Pocket Manager
Create an account, get approved, and open a ledger that treats planned and realized money as different truths.
Already have access? Pick up where you left off.