Pocket Ledger: A Subscription Tracker That Never Sees Your Bank Login

Take control of your money, and reclaim your hidden balance.

Pocket Ledger is the mobile app we built for people who want to know exactly what they are paying for every month without linking a bank account to a third-party server.

The Problem

Subscriptions are designed to be forgotten. A free trial converts, a price quietly increases eighteen months later, two services end up covering the same thing, and none of it shows up until someone actually reads their statement line by line. The budgeting apps built to catch this almost always ask for bank login credentials first, which trades one problem (forgotten charges) for another (a finance app with read access to a live bank account).

What We Built

Pocket Ledger finds recurring charges without ever touching a bank login:

• Receipt and statement scanning. Import a bank statement or receipt and Pocket Ledger extracts the recurring charges directly, no manual entry.
• Price-increase alerts. The app flags when a subscription's charge is higher than its last known amount, the exact moment most people miss.
• Overlap detection. Two services covering the same category get surfaced together instead of sitting unnoticed on separate charge lines.
• Budget dashboard. Monthly burn rate, active subscription count, and a yearly cost projection are shown as a single running total, not something the user has to add up themselves.
• Search and organize. Every detected subscription is categorized and searchable, so reviewing the full list takes seconds.

How It Works

Pocket Ledger is built in Flutter and Dart, chosen so the parsing and detection logic works identically on iOS and Android. Statement and receipt parsing runs through on-device OCR, extracting merchant names, amounts, and billing cadence without ever transmitting the source document off the phone. Recurring-charge and price-change detection is computed locally against the user's own transaction history. Figma shaped the interface around a calm, financial-dashboard aesthetic meant to make a monthly total legible at a glance rather than buried in a table.

The Results

Pocket Ledger ships as a live iOS app that answers the one question most budgeting tools make surprisingly hard to answer: what am I actually paying for every month, and did any of it just get more expensive. It does that without a single bank credential ever leaving the user's device.