Features
Everything a Financial
Athlete Needs
FitPockets combines the discipline of sports training with the rigor of business finance — giving you tools that actually move your net worth.
Automated Bill Allocation
Smart cash flow engine assigns bills to specific paychecks up to 12 months ahead. Large recurring bills like rent or mortgage are automatically split across multiple paydays so you're never caught short.
Plan your entire year in one session. The algorithm considers your pay frequency, bill due dates, and cash flow patterns to build an optimal allocation strategy.
Proactive Paycheck Budgeting
Plan your spending BEFORE payday, not after. Know what to do with every dollar the moment it lands in your account.
Traditional budgeting is reactive. FitPockets flips the script — you decide where every dollar goes before it arrives, eliminating impulsive spending and overdraft anxiety.
FitPockets Index (FPI)
A proprietary 0–100 financial health score across 5 tiers: Crisis, Recovery, Training, Solid, and Elite.
FPI synthesizes net worth, cash flow, savings rate, credit utilization, and leverage ratio into a single, actionable number. Like a credit score, but actually useful for day-to-day decision making.
Dual-Income Household Mode
Invite a partner with view-only or view-and-edit access via a secure link. Manage shared finances without needing a joint account.
Each partner keeps their own accounts while gaining visibility into the household's combined financial picture. Granular permission controls mean you decide exactly what your partner can see and change.
Net Worth & Debt Tracking
Track assets, debts, and APRs in one place. Auto-generated Balance Sheet and Income Statement like a real business.
Add every asset and liability — savings accounts, investments, real estate, car loans, student debt, credit cards — and watch your net worth move in real time.
AI Financial Coach
(Pro tier) Ask questions, get personalized guidance, and receive proactive nudges powered by an in-app AI advisor.
Your AI coach knows your budget, your FPI, your debts, and your goals. Ask it anything — 'Can I afford a vacation?' or 'How do I get to Elite tier in 6 months?' — and get a grounded, personalized answer.
Annual Financial Statements
Auto-generated Balance Sheet and Income Statement modeled after real business accounting — not simplified consumer reports.
See your financial life the way a CFO would. Identify where money is leaking, which debts to attack first, and how your net worth is trending year over year.
Bank Connectivity via Plaid
(Semi-Pro and above) Connect your bank accounts securely via Plaid for automatic transaction import and budget reconciliation.
Plaid connects with thousands of financial institutions. Your credentials never touch FitPockets servers — they go directly to Plaid's encrypted vault.
Privacy & Security Architecture
Local-first storage, iOS File Protection, encryption keys in the iOS Keychain, and optional Face ID lock.
FitPockets was designed mobile-first with privacy as a constraint, not an afterthought. Your data is encrypted at rest with keys that never leave your device unless you explicitly export them.
