Tell customers what's safe to spend, not just what they spent
Pouch is the calculation layer under your PFM.
SALARY · HAYES & CO LLP · +£2,460.00
Free cashflow
Live£1,096
Safe to allocate until payday · 21 days
Today
01
The question your app still can't answer
Every customer opens your app with the same question: how much can I actually spend?
Current balance
£3,410
02
How it works
One number, from data you already hold
Step 01
Push your categorised transactions
Send them to Pouch's endpoints whenever you receive them.
ACME LTD SALARY+£2,460.00
RENT · STANDING ORDER−£950.00
TESCO · CARD−£38.20
POST /v1/transactions · 202
your categorisation, untouched
Step 02
The engine reads the timeline
Pouch detects the frequency and classification of every recurring inflow and outflow, identifies and excludes internal transfers, and consolidates every account the customer connects.
Income · detected automatically
last working day of the month · £2,460 / mo · no setup
Step 03
One live figure comes back
Income minus the customer's chosen bills: a single free-cashflow figure for today and any future day, across any window you define, resolved to the day.
Disposable income
Live£1,096
until next payday
Step 04
You render it, your way
Show the headline number alone or the full set of data points.
Free cashflow · from Pouch API
£266
Left to allocate
Your money management tool
Set a limit per category
03
The demo
What you'll see in the demo
04
FAQ
The questions your team will ask.
- We already have a PFM platform. Where does Pouch fit?
- Underneath it. Pouch is not a replacement: your tools render, we make the figure accurate and live. It is always an additional layer on top of your categorisation and your existing platform.
- How heavy is the integration?
- It's endpoints: push categorised transactions, get the number back. Your categorisation, your UI, your environment. Pouch is a processor-only layer, so your data stays under your control throughout.
- How accurate is the forecast?
- The headline number is calculated from detected cycles, not guessed, and the forward value comes from the same engine. You control the horizon and how it is represented, and the pilot lets you judge the output on your own customers' data before you commit.
See it on your own data.
Book a 15-minute demo and watch the number move, then put it to work on your own customers' data.