How it works
Four steps, joined up
PocketPilot is two halves of the same job. The first half is deciding what your money is for. The second half is checking what it became. Most apps only do the second, and only in categories.
Plan the cycle before it starts
Create envelopes for the things you actually spend on and pour your income into them. Rent, the food shop, fuel, the annual car insurance you would rather not be surprised by.
Cycles follow your payday rather than the calendar month, because being paid on the 28th and budgeting to the 1st is how people end up short in a week that looked fine on paper.
Income assigned£2,140 of £2,140£0 spare
RentFixed£820
Food shopWeekly £105£420
Car insurance, saved monthlyRenews April£48
Every pound in this cycle has a job. Nothing is left as “whatever is left over”, because that is the money that disappears.
Bring your transactions in
Export a CSV statement from your bank (every UK bank can do this) and import it. PocketPilot fingerprints each transaction, so importing the same statement twice does not duplicate anything.
You get a preview before anything is committed: what will be added, what is already there, and what PocketPilot could not read. Nothing lands in your records without you confirming it.
Live bank sync is planned but not available. It depends on an approved UK Open Banking provider, and until that is in place we will not describe it as something you can use.
3 to add, 1 already present. Import again tomorrow and the count stays right.
Photograph the receipt
Take a picture and PocketPilot reads the merchant, the date, the card, the total, and every line on it. That is the detail a bank feed can never give you: the £86 shop was fourteen separate decisions.
Reading a crumpled till receipt is genuinely hard, and anything claiming perfect accuracy is either lucky or lying. When PocketPilot is not confident, it marks the value as uncertain and leaves it editable. It will not swap an unclear figure for a plausible one.
Match it to the payment, with reasons
A receipt and a card payment are two records of one event. PocketPilot pairs them on amount, date, card and merchant, and shows you which of those actually agreed, so you can see why it thinks they belong together.
You accept the match or correct it. The matching is deterministic and always explained: there is no opaque score deciding things quietly on your behalf.
And then it compounds
Ordinary shopping becomes a price record
Once a few months of receipts are in, the same product bought in different shops is grouped together. You did not build a spreadsheet and you did not join a comparison service. The record is a side effect of shopping normally.
The prices are what you were actually charged, in shops you actually went to. PocketPilot has no affiliate, commission or referral relationships, so nothing in the comparison is paid placement.
Early access
See it on your own receipts
The closed beta runs in small groups, UK households first, and it is free while it runs.