1. Project Overview

Pokko is a personal expense management app built around 2 practical questions:

• "How much money do I have left to spend?"
• "How much can I spend and still save money?"

Instead of just recording past income and expenses, Pokko aims to help users understand their current budget, bills that need to be paid, and the amount they can spend until the next paycheck.

2. The Problem Pokko Solves

Many people can track their account balances or record their expenses, but still find it difficult to determine how much money they actually have available for use.

Some common issues include:

• Not knowing how much can be spent in a day
• Flexible income management according to pay periods
• Forgetting about recurring bills like rent, Netflix, AI subscriptions, and other payments.
• Spending too much time on data entry
• Data not being secure

Pokko is developed to address these issues by managing finances closely tied to an individual's actual pay cycles.

3. How Pokko Solves the Problem

1. Manage by pay cycle: Users can set their cycle starting from their payday instead of the default beginning of the month.
2. Know how much can be spent: Pokko calculates the safe amount that can be spent in the current cycle based on income, remaining funds from the previous cycle, expenses incurred, and unpaid bills.
3. Proactively allocate money for bills: Recurring bills are included in the budget before payments, helping users avoid confusion between available funds and actual spendable money.
4. Quick recording: Streamlining the process, reducing the effort of recording expenses.
5. Track and understand financial habits: Pokko provides statistics on spending, income, spending categories, and financial trends across cycles, helping users better understand how they use their money.
6. Prioritize privacy: The app does not require account creation; data is stored on the device and securely encrypted.

4. Who Can Use Pokko?

Pokko is aimed at those who want to manage their money more proactively and simply:

• Full-time employees with regular salaries
• Students and young people
• Individuals with multiple recurring bills and payments
• Those who want to track personal finances but dislike complicated record-keeping

5. What Makes Pokko Different

1. Starting from the question “How much money do I have left to spend?”: Pokko not only focuses on recording spent amounts but also aims to help users make spending decisions based on remaining budget.
2. Flexible financial cycle according to payday: This approach is suitable for those whose payday does not coincide with the beginning of the month, making budget tracking more aligned with actual income cycles.
3. Considering unpaid bills: The safe budget for spending is calculated after allocating necessary funds for outstanding bills, helping users gain a more realistic view of their spending capacity.
4. Simplifying record-keeping: Quick expense addition, smart categorization, and integrated input interface make recording more convenient.

6. Development Direction

Pokko is built from the needs and real experiences of team members. However, the team understands that each person's needs may differ.

Therefore, the project hopes to receive feedback from the community regarding user experiences, issues that need improvement, and features that users truly desire.

The goal is to continue refining Pokko based on actual needs, making the app a more useful tool for managing daily expenses.