Five screens. One plan underneath them.
Pocketview is one plan read five ways. The same accounts, bills and paydays sit behind every screen, so ticking a payment on one changes the balance on another. This page is the app in the order you will meet it.
Before any of it is useful
Three things, once. There is no bank to connect and no credentials to hand over — you tell Pocketview what each account holds and what is coming, and it keeps the dates from there.
- 01
Set the starting position
Add the balances you can actually use, kept in a book each: your own, anything you share, a business.
- 02
Place income and bills on dates
Recurring weekly, monthly, quarterly and yearly costs, alongside the one-offs you already know about.
- 03
Act before an account runs short
See the date and the paying account first, then move money, replan the day, or set something aside.
Overview
Where do I stand today?
Every account, what is coming in, and what is already promised, on one screen. You see what is genuinely safe to spend today — not just what the bank says is sitting there.
Overview
Joint / Everyday
Ready to spend
€ 1.240
safe until the next bill is due
Where you land
€ 4.320
in 30 days, after every planned payment
Coming in
+ € 2.450
salary & income · next 30 days
Going out
− € 2.950
bills & planned spending · next 30 days
What is due next
The next payments on the calendar
Car insurance
Joint / Everyday
27 aug
€ -1.320
Rent
Joint / Everyday
29 aug
€ -1.450
Salary
Joint / Everyday
1 sep
€ 2.450
Energy
Joint / Everyday
3 sep
€ -180
- Safe to spend
- Money already promised to a bill is not counted as free. The figure is what is left after the promises, not before them.
- What is due next
- The next payments in date order, each with the account it leaves from.
- The first tight day
- If an account runs short inside the window, the day it happens is named, with the move that fixes it.
Cash flow
Will it be there on the day?
Every payment in order, on the day it leaves, with the running balance after each one. The day an account goes short shows up while there is still time to move money.
Cash flow
Waiting for a day
1Dentist
€ -260
Date not known yet| Day | Payment | Which account pays | Amount | Balance after |
|---|---|---|---|---|
| 29 aug | ||||
| 29 aug | RentPlannedRegular expense | Joint / Everyday | € -1.450 | € 730 |
| 1 sep | ||||
| 1 sep | SalaryPlanned | Joint / Everyday | € +2.450 | € 3.180 |
| 2 sep | ||||
| 2 sep | Car insurancePlanned | Joint / Everyday | € -1.320 | € 1.860 |
| 3 sep | ||||
| 3 sep | EnergyPlannedRegular expense | Joint / Everyday | € -180 | € 1.680 |
- The running balance
- Each row carries the balance after it, and the figure turns red from the moment it goes negative. That red streak is the whole point of the sheet.
- Move a date
- Drag a payment to a different day and every balance after it moves with it. Nothing about the amount changes — only when it leaves.
- Transfers
- Money moved between your own accounts is one act, not spending in one place and income in another.
- One-offs and undated items
- A payment with no date yet still sits in the sequence rather than being hidden until you name a day.
Charts
Where does it all go?
The same plan read as shape rather than sequence. What came in, what it was already spoken for, and where the rest went — by category, by account, by book.
Charts
Joint · A quiet month
Where the money flows
What came in, and what it was already spoken for - a quiet month of the joint book.
- Regular expenses
- € 1.665
- the rhythm that repeats
- Set aside
- € 182
- toward your upcoming costs
- One-offs
- € 260
- everything that happens once
- What remains
- € 343
- once everything above is covered
Where the money goes
Your biggest spending categories
€ 1.847
Housing
€ 1.490
Utilities
€ 212
Insurance
€ 110
Health
€ 35
- In, and what it was spoken for
- The month as one quantity splitting into its parts: regular expenses, money set aside, one-offs, and what remains. It reconciles to the cent.
- By category
- Kids, insurance, utilities, the house — each with its subtotal and its share.
- By account and by book
- The same month read against the accounts that pay it, or against the books that own it.
Expenses
What do I have to pay this month?
Your regular costs grouped the way they are actually billed — weekly, monthly, quarterly, yearly — with a checklist each month you tick as things clear.
Regular expenses
Monthly
every month- RentHousing€ 1.450
- EnergyUtilities€ 180
- GymHealth€ 35
Quarterly
every 3 months- WaterUtilities€ 32€ 96 every 3 months
Yearly
every 12 months- Council taxHousing€ 40€ 480 every 12 months
- Car insuranceInsurance€ 110€ 1.320 every 12 months
Regular expenses, monthly equivalent
€ 1.847- Grouped by rhythm
- A sheet per period, each with its own subtotal, and one monthly equivalent across all of them.
- The month checklist
- August is its own list with its own ticks and its own remaining total. A row that differs from its template is marked as adjusted this month.
- Upcoming costs and reservations
- A yearly bill paid in quarterly instalments, funded by monthly set-asides — the three layers stay linked and the cost is counted once.
- Finite plans
- A payment arrangement that runs for four months reads as four months: how many are left, and when it ends.
Balance
What do I actually have?
What you own and what you owe, kept per book and never added into one pot. Each debt shows what is left of it and roughly when it will be gone.
Balance
What you own and what you owe stay apart. An account that is in the red stays an account, and a card’s outstanding stays a debt - Pocketview never nets one off against the other.
Every book Alex can see
What remains after the debts
€ 81.380
Owned € 339.460 · Owed € 258.080
- Everyday€ 1.240
- Savings€ 12.400
- Car€ 8.500
- CardOwed € 320
- Car loanOwed € 6.200
- Everyday€ 2.180
- Savings€ 2.640
- House€ 310.000
- CardOwed € 410
- MortgageOwed € 248.000
- Business€ 2.500
- VAT owedOwed € 3.150
- A book each
- Your own money, anything you share, and a business — side by side, each its own balance sheet, with the household total as the roll-up.
- What you own, what you owe
- Accounts and assets on one side, debts and cards on the other, and the net position between them.
- Debts and payoff dates
- A debt states its balance and its end: keep the repayment up and it is paid off around a named month.
- Cards
- A credit card is two readings — what is spent against what is allowed, and the dated payment that settles it.
The same plan, on your phone
The phone app is for the spare moment in a queue: the same books, the same dates, the same balances, read rather than edited. A bill you add at your desk is on the phone, filed to the same book, without you doing anything about it.
See it with your own numbers.
Start for free. No credit card required.