Envelope budgeting
Assign your income to envelopes before you spend it. Regular costs, one-off plans, and sinking funds for the annual bills that otherwise arrive as a shock.
Features
Everything PocketPilot does
This is the whole list, including the parts that are not built yet. Those are marked. We would rather tell you what is missing than let you find out after you have moved your budget across.
Planning
Deciding where the money goes
Bills you have confirmed
A bill only lands on your calendar once you have said it is real. Detected patterns are suggestions, never silent commitments, so the calendar stays trustworthy.
Pay cycles, not calendar months
Budget from payday to payday: weekly, fortnightly, four-weekly, or monthly on a date that is not the 1st.
Records
Getting the truth in
CSV statement import
Bring in transactions from any UK bank that exports CSV. Every row is fingerprinted, so re-importing an overlapping statement never duplicates a payment.
Import preview and confirm
See exactly what an import will change before it changes anything: new rows, duplicates skipped, and rows that could not be parsed.
Receipt capture on your phone
Photograph a receipt where you are standing. Images are prepared for reading (straightened, cropped, sharpened) before anything is extracted.
Line-item extraction
Merchant, date, card, total and each individual line. The line items are the point: they are what a bank feed can never tell you.
Uncertainty made visible
Anything the extractor is not confident about is flagged and editable. No value is ever quietly replaced with a plausible guess.
Explained matching
Receipts pair with card payments on amount, date, card and merchant, and the reasons are shown. Deterministic, reviewable, and correctable.
Understanding
Making the record useful
Price history from your receipts
The same product across different shops, grouped together, with what you actually paid and when. Built from your shopping, not a licensed catalogue.
Spending reports
Where the money went by category, merchant and cycle, and where you have receipts, what it bought inside each of those totals.
Export everything
Your data leaves in a standard format whenever you want it. There is no lock-in, and asking for it is not a support conversation.
Not built yet
What we are not claiming
These are planned or gated. None of them work today, and we will not put them in a feature list as though they do.
Live bank sync
Planned, and it depends on an approved UK Open Banking provider. Until that is in place, transactions come in by CSV import. This is also the reason PocketPilot can never move your money: it has no payment capability at all.
A second adult in your household
Planned as part of the paid tier. The free tier is one adult seat. We are not describing shared households as available until they are.
Live retailer prices
PocketPilot compares what you paid, from your own receipts. It does not claim shelf prices, stock levels, or current advertised rates from any retailer.
Advice of any kind
Not planned, ever. PocketPilot shows you your own numbers. It is not lending, credit, investment or tax advice, and it will not recommend a financial product.
Early access
Try it before it is finished
That is what a beta is for. Invitations go out in small groups, UK households first.