Meet Clara, your AI money coach
Your money, made clear.An AI money coach that knows your numbers.
Clara looks at your income, bills and goals, then tells you what's safe to spend, what's coming up, and what to do next.
- Free
- Not a bank, works with yours
- We never ask for your bank password
- Works in English and Spanish
Clara · AI money coach
Ask your money anything.
Clara reads your real numbers, so her answers are about your life, not averages. The app does the math; Clara explains it in plain words.
- Can I afford it?Ask before you buy. Clara checks your bills and your next payday first.
- What if…?See on a chart how a purchase, or saving more each month, changes your next 90 days.
- A monthly money checkupA short review of your month in plain words, with three things to do next. Free.
How it works
- Tell us how and when you get paid.
- Add your biggest bills.
- See what's safe to spend, and ask Clara anything.
Smart money tech
One number that matters.
Open the app and the first thing you see is what you can spend this month and still stay on plan.
- Safe to Spend until your next payday
- Log spending by voice or a receipt photo
- A 3-month forecast and a “What if?” chart
- Bill reminders and payday plans by email
Work & business
Run your side hustle with clear numbers.
Mark income and costs as business in one tap, and see what came in, what it cost, and what you actually kept. Built for side hustles, gig work and self-employed pay.
- Business modeTag any income or cost as business. See this month and the whole year, with costs by category.
- Tax set-aside on profitSet aside a share of what you kept, not everything that came in, so tax time isn't a shock.
- Paycheck modePlan each paycheck on its own when your pay isn't the same every week.
- Pay stub checkSnap your pay stub and see if your hours and overtime add up.
Learn
Learn money, two minutes at a time
For veterans and military families
Built by a veteran, for veterans.
Free tools that make VA money easier to understand, right inside your budget.
- VA disability estimateSee your combined rating the way VA calculates it, and about what it pays each month.
- GI Bill plannerWhat the Post-9/11 GI Bill covers for school or training: tuition, housing and books.
- Benefits checklist14 benefits veterans often miss, each with the official link to apply.
Estimates only. Pocket Recon is not affiliated with the U.S. Department of Veterans Affairs.
English & Spanish · Family
What you send home, planned, not guessed.
See the exchange rate and what your family receives.
Mom · Dominican Republic
1 USD = RD$ 63.42
Questions
Is my money safe?
We never touch your money or connect to your bank. You enter the numbers.
Is it really free?
Yes. The basics are free forever, no card required. If you want to see further ahead, Plus is $4.99 a month, with 7 days free to try it.
Does it work outside the U.S.?
Yes. Pocket Recon works in the U.S., Canada, the UK and the Dominican Republic, and shows your money in U.S. dollars, Canadian dollars, pounds or Dominican pesos. Plus is billed in U.S. dollars. The veteran tools and tax reminders follow U.S. rules.
Is it a bank?
No. It works with the bank you already have.
Is it for me?
If you want a clear plan for your money and a coach that answers with your own numbers, yes. It works in English and Spanish.
What do you do with my data?
Your data is yours. We don't sell it. Delete your account anytime.
Do I need to be good with numbers?
No. Every term has a “What's this?” that explains it.
Start today.
Takes under 5 minutes.
Start free2-minute money lessons