YEAR AT A GLANCE
Income SpentFAMILY FINANCES
Good morning, Whyss
Try “25k groceries yesterday” or “saved 50k emergency fund”
+8.4%
Income₦0Received this month
0%
Spent₦0of ₦0 planned
0%
Saved₦0towards your goals
0%
Invested₦0Building long-term wealth
MONTHLY FLOW
Where your money went
Remaining₦00% of income
LATEST ACTIVITY
Recent transactions
BUDGET PULSE
Spending by category
On trackWatchOver
✦
POCKETHALF INSIGHT
Your spending picture is ready
Open Smart insights for observations drawn privately from your local ledger.
FULL LEDGER
Transactions
Every inflow, expense, contribution and transfer in one place.
0 transactions
CATCH UP QUICKLY
Import statements and receipts
Review everything before it reaches your ledger. Files stay inside this browser.
Upload an account statement
Use an XLSX, CSV, OFX or QFX export from your bank for a week, month or full year.
Scan or upload a receipt
Attach a receipt image. PocketHalf will read it on-device where your browser supports text detection.
REVIEW BEFORE IMPORT
Statement preview
0 categorised0 need answers0 duplicates skipped
| Include | Date | Description | Amount | Type and category | Status |
|---|
Nothing is saved until you confirm.
CLARIFICATION QUEUE
0 waitingTransactions that need context
MONTHLY PLAN
Give every naira a job
Set category limits without changing your actual balances.
LIVE MONTHLY ALLOCATIONS
Budget progress by category
Actual activity compared with this month’s plan.
Below 75%75–99%100% or over
OVER TIME
Your financial direction
Monthly movement from your actual ledger—never sample projections.
CASH FLOW
Income SpentMonthly movement
LEDGER-BASED SIGNAL
What needs attention
↗Analysing your trend
CATEGORY MOVEMENT
Spending patterns
WHOLE-LEDGER ANALYSIS
Financial insights and assistant
Explore spending, income, budgets and wealth-building decisions using your actual records.
THIS MONTH
Your household money brief
Add or import activity to receive useful observations.
—money health
✦
POCKETHALF ASSISTANT
Talk through your money
Private analysis is ready on this device
◉
You control what leaves this device. PocketHalf calculates totals locally. If secure online AI is connected, it sends a compact financial summary—not receipt images, account details or full statements.
Educational guidance only—not personalised regulated financial or investment advice. Important decisions should consider your debts, emergency fund, dependants, goals and risk tolerance.
INVESTING EDUCATION
Before making an investment decision
1Protect your foundation
Consider emergency savings and expensive debt before increasing investment risk.
2Match risk to time
Money needed soon generally calls for lower volatility than long-term money.
3Diversify deliberately
Avoid concentrating household wealth in one asset, company or unregulated product.
Educational guidance only. PocketHalf does not know your full financial circumstances and does not recommend specific investments or trades.
CONTROL CENTRE
Settings and data safety
Personalise PocketHalf and protect your household records.
Household
Encrypted backup and portability
Protect your complete backup with a password before moving it to another device.
PocketHalf cannot recover a forgotten backup password.
Data reset
Erase all activity and restore the starter categories. Export a backup first.
About PocketHalf
Version 1.6. A private tracking tool for understanding household money. PocketHalf does not provide financial advice.
Core analysis remains on-device. The optional Cloudflare Workers AI connection shares only the summary you approve.