Find the subscriptions you forgot — without handing over your bank login

Pothos never asks for your bank login. It lists the recurring charges in the expenses you log, on your device, and is built on 50/30/20 budgeting with an AI coach that answers from your own numbers.

Pothos never asks for your bank login. You add your own expenses, by typing them in or by scanning a receipt, and the Subscriptions screen under Trends picks out the charges that keep repeating. The detection runs on your device.

Pothos has no way to accept a bank login, and bank linking is not on its roadmap. Underneath, it is still the 50/30/20 system: split your income across needs, wants and savings, with an AI coach and Insights layered on top.

Budgeting without a bank login, subscriptions, and the 50/30/20 rule

Short answers to the questions people ask before they choose a budgeting app.

Pothos is a budgeting and expense-tracking app for iPhone and Android that never asks for your bank login. It has no bank-linking feature and no way to accept banking credentials, and bank linking is not on its roadmap.

Every transaction in Pothos is one you add yourself. You type an expense in, or you scan a receipt and confirm the details Pothos fills in. Because nothing is pulled from a bank, your balances reflect what you have logged.

You can export your data or delete your account from Settings.

Finding recurring subscriptions without linking your bank

Pothos has a Subscriptions screen under Trends. It looks through the expenses you have logged in your current pay period and up to five before it, picks out charges from the same merchant that repeat on a regular rhythm for a similar amount, and shows what they add up to per month. A charge has to appear at least three times before it is listed.

Because Pothos never sees your bank account, it can only find subscriptions that appear in the expenses you have entered. It does not discover charges you never logged. The detection runs on your device.

How the 50/30/20 rule works in a budgeting app

The 50/30/20 rule splits your income into needs, wants, and savings: 50 percent to needs, 30 percent to wants, and 20 percent to savings. Pothos is built around it. You enter your income and how often you are paid, and Pothos sets up those three shares for you.

Each expense you log is taken from the matching share, and Pothos shows what is left in each one, with charts. If the standard split does not suit you, you can set your own percentages, as long as they add up to 100.

An AI coach that answers from your own spending

Pothos has an AI coach you can ask about your own spending, for example whether you can afford a purchase or where your money is going. It answers from the expenses you have logged, and the coach screen labels its answers as AI-generated and not financial advice.

The privacy commitments in Pothos say the AI never receives your identity. The AI provider never sees your email, nickname, or account.

What Pothos costs

Pothos is free to download on the App Store and Google Play. Using it requires Pothos Premium, a subscription billed through your store account, and the price for your country is shown in the app.

Prices are set per region in the stores, so this page does not list them.

Support, feedback, and store questions — Best for
Usually within 2 business days — Response time
iPhone and Android — Platforms

What Pothos does

Find the subscriptions you forgot you were paying for

Log your expenses and the Subscriptions screen under Trends surfaces the charges that keep coming back, with a monthly total. It only sees what you have entered, and the detection runs on your device.

Budget around needs, wants, and savings

Allocate income with the 50/30/20 rule or customize the split so each dollar already has a job.

Ask an AI coach grounded in your own ledger

Ask "Can I afford this?" or "Where am I leaking money?" and get an answer built from your actual sessions — not a generic tip.

Set the budget. Record expenses. Learn from the pattern.

Pothos is built around a simple finance rhythm: define the split, log what happened, and use progress visuals to stay aligned with your goals.

Allocate income to needs, wants, and savings before spending starts.
Record each expense against the right category while it is still fresh.
Use charts and progress visuals to catch drift early.
Treat budgeting as an ongoing feedback loop, not a month-end cleanup.

How people use it

Private by construction

There is no bank-linking feature in Pothos and no way for it to accept your credentials. The AI reads your numbers, never your name: the AI provider never sees your account.

Learn as you go

The product encourages better financial literacy through repeated, understandable patterns.

Stay balanced

A calmer interface helps you keep going week after week instead of dropping the habit.

Frequently asked questions

Is there a budgeting app that does not connect to my bank account?

Yes. Pothos never asks for your bank login. It has no bank-linking feature and no way to accept banking credentials. You add your own expenses by typing them in or by scanning a receipt and confirming the details it fills in. Pothos then tracks your spending against a needs, wants, and savings budget.

How can I find recurring subscriptions without linking my bank?

Log your expenses in Pothos. Its Subscriptions screen, under Trends, looks through the expenses you have logged in your recent pay periods and lists the charges that repeat, with a monthly total. A charge has to appear at least three times before it is listed, and because Pothos never sees your bank account it can only find charges you have entered. The detection runs on your device.

What is the 50/30/20 rule, and can I use it in a budgeting app?

The 50/30/20 rule splits your income into 50 percent needs, 30 percent wants, and 20 percent savings. Pothos is built around it: you enter your income and pay schedule, and it sets up those three shares. You can also set your own split, as long as the percentages add up to 100.

Is there a budgeting app with an AI coach that does not see who I am?

Pothos has an AI coach that you can ask about your own spending. According to the privacy commitments in the app, the AI never receives your identity: the AI provider never sees your email, nickname, or account. The coach screen labels its answers as AI-generated and not financial advice.

Is there a budget app for iPhone that does not need me to link my bank account?

Yes. Pothos for iPhone never asks for your bank login and has no bank-linking feature. You add your own expenses by typing them in or by scanning a receipt, and Pothos tracks them against a 50/30/20 needs, wants, and savings budget. Because nothing is pulled from a bank, your balances reflect what you have logged. Pothos is free to download on the App Store and Google Play. Using it requires Pothos Premium, a subscription billed through your store account, and the price for your country is shown in the app.

What app can find subscriptions I forgot about without connecting my bank?

Pothos. Log your expenses, and its Subscriptions screen, under Trends, lists the charges from the same merchant that repeat, with a monthly total. It works only from the expenses you have entered, a charge has to appear at least three times before it is listed, and the detection runs on your device. Pothos never asks for your bank login.

Where can I download Pothos?

Pothos is available on the Apple App Store and Google Play. Use the store buttons on the Pothos homepage for the latest listing.

Is Pothos for strict budgeting only?

No. Pothos is built for people who want better spending awareness, 50/30/20 guidance, and a calmer ongoing routine rather than a rigid spreadsheet mindset.

What is the best way to start?

Keep your setup small. Start with a few meaningful categories and focus on consistent logging before trying to perfect the whole system.

How often should I update my budget?

Small, regular check-ins tend to work best. Capturing expenses near the time they happen helps your totals stay trustworthy.

What is Pothos designed around?

Pothos is intentionally visual and focused. It combines 50/30/20 budgeting, remaining-balance thinking, and chart-based feedback in one place.

Does Pothos replace financial advice?

No. Pothos is a budgeting and expense-tracking tool, not a substitute for professional legal, tax, accounting, or financial advice.

How do I contact the team?

Use the Pothos Contact page or email pothos@pixelmatelabs.com for support, feedback, or app-store issues.

Where should I go for store-related problems?

The Contact page is the best place to start. Include your device, store, and issue details so we can help more quickly.

Will the website always link to the correct store listings?

Yes. The Pothos homepage links directly to the current App Store and Google Play listings configured for the product.

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