Pocketwatch
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Budgeting · Net worth · Investments

pocketwatch

One ledger for your whole financial life. Budget every dollar, track every account, and watch your net worth move, with live market prices for your investments. Start your free trial — no card needed.

Start on web See the desktop app

Zero-based budget

Put every dollar to work.

Part of every paycheck is already spoken for — rent, bills, the trip you're saving for. A zero-based budget assigns all of it up front, so you always know what's safe to spend.

Every dollar gets a category Categories are the source of truth Unspent money rolls forward Overspent? Move money to cover it
Ready to assign $630.00
May budget
Income$4,820 Assigned$4,190 Spent−$3,410 Available$780
Rent Funded
Assigned$1,850 Activity$1,850 Available$0
Groceries $218 left
Assigned$680 Activity$462 Available$218
Savings Set aside
Assigned$900 Activity$0 Available$900
Coffee $18 left
Assigned$65 Activity$47 Available$18
Why it works Spending decisions happen from the category, not the checking balance.

All accounts together

One ledger for everything.

Checking, credit cards, brokerages, savings, debt — side by side. Spend here, the balance shifts there.

Net worth over time

Watch the bigger picture move.

Monthly snapshots stitch every account into one line. Calmer than a spreadsheet, more honest than a single number.

Trend

$22,070

+$1,270 +6.1% vs 1 year ago

Live market prices

Markets move. Your net worth follows.

Stocks, ETFs, crypto, and commodities — repriced live alongside the rest of your money.

Biggest positions Where your money sits
  • VOO ETF · 59%
    $10,932 +14.2%
  • AAPL Stock · 21%
    $3,845 +8.1%
  • BTC Crypto · 20%
    $3,713 +22.5%

Desktop coming soon

Local-first money tracking is nearly ready.

We are waiting on app signing before shipping the desktop installer. The web app is live now, and the local encrypted version comes next.

Preview desktop

Why it feels calmer

Everything has a home. The dashboard stays quiet.

Budget Assign. Move. Reconcile.
Ledger Every transaction has a story.
Markets Prices update on their own.

Find out where your money's actually going.

Two minutes to set up. No card for the trial.

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