Think Like a Business. Plan Like a Pro.
FitPockets automates a year of paycheck-based budgeting, tracks your net worth, and scores your financial fitness — all without requiring a bank connection.
Core Features
Your Financial Training Program
Every tool a financial athlete needs — from automated budgeting to real business-grade financial statements.
Automated Bill Allocation
Smart cash flow engine assigns bills to specific paychecks up to 12 months ahead and splits large bills (rent/mortgage) across multiple paydays.
Proactive Paycheck Budgeting
Plan your spending BEFORE payday, not after. Know what to do with every dollar the moment it lands.
FitPockets Index (FPI)
A proprietary 0–100 financial health score across 5 tiers (Crisis → Recovery → Training → Solid → Elite) that measures net worth, cash flow, savings, credit, and leverage.
Dual-Income Household Mode
Invite a partner with view-only or view-and-edit access via secure link. Manage shared finances without needing a joint account.
Net Worth & Debt Tracking
Track assets, debts, and APRs in one place. Auto-generated Balance Sheet and Income Statement like a real business.
AI Financial Coach
(Pro tier) Ask questions, get personalized guidance, and receive proactive nudges powered by an in-app AI advisor.
The App
Built for Serious Financial Athletes
A dashboard that looks like a coach's playbook — not a boring spreadsheet.
Pricing
Choose Your Level
Start free and upgrade as you grow. No hidden fees, cancel anytime through the App Store.
Rookie
Get started with manual budgeting, single & dual income mode, and your FPI score.
- Single & dual income mode on one device
- Automated bill allocation + Smart Cash Flow
- Manual asset, debt, and credit entry
- Dashboard with Essential Financial Metrics
- FitPockets Index (FPI) score + Financial Fitness tips
- Annual financial statements with 3 years of history
- Gamified challenges & badges
Semi-Pro
Everything in Rookie, plus bank connection via Plaid, partner invite, and cross-device sync.
- Everything in Rookie
- Dual-income mode with partner invite & permissions
- Bank connection for verified balances
- Automatic credit card and loan details — APR, minimum payment, and due dates pulled from your bank
- Real-time account sync for credit, debt, and savings
- Budget-to-actual reconciliation (detect overspending trends)
- Access to verified "FitPockets Athlete" badge
Pro
Everything in Semi-Pro, plus the AI Coach and investment tracking.
- Everything in Semi-Pro
- Access to AI Coach for personalized suggestions
- Investment-optimized dashboard & widgets
- Access to Plaid Investments — holdings and portfolio tracking
- Priority access to in-app events/challenges
Built with Privacy First
Your financial data is yours. FitPockets is engineered from the ground up to keep it that way.