How to Use Pockets to Organize Your Spending in Moneko

You can use Pockets in Moneko to automatically organize and track your spending.

Each Pocket represents a spending category, such as:

• groceries
• rent
• travel
• subscriptions

Once your Pockets are set up, Moneko groups your expenses automatically and updates your budget in real time.

This helps you understand where your money is going without needing to manually organize every transaction.

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What Are Pockets?

Pockets are spending categories inside Moneko.

They help you divide your monthly budget into clear areas, so you can track how much you planned to spend, how much you have already spent, and how much is left.

For example, you might have Pockets for:

• Groceries
• Rent
• Dining
• Travel
• Subscriptions

Each Pocket helps you stay aware of a specific part of your spending.

Expected Result

After setting up Pockets, your expenses can be grouped into categories and your remaining budget can update automatically.

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Step 1: Go to the Pockets Tab

To find your Pockets:

1. Open Moneko.
2. Tap Budget.
3. Tap Pockets.

This is where your spending categories live.

Expected Result

You will see the Pockets area where you can set up, review, and manage your spending categories.

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Step 2: Set Your Monthly Budget

At the top of the Pockets page, enter your total monthly budget.

For example:

• $2,000

This is the total amount that will be distributed across your Pockets.

Expected Result

Moneko uses your monthly budget as the starting point for organizing your Pocket amounts.

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Step 3: Complete the Onboarding Setup

When you first start using Pockets, Moneko will guide you through a few questions.

These questions help Moneko understand:

• your spending habits
• your priorities
• your budgeting style

Based on your answers, Moneko will:

• generate a custom Pocket structure
• assign budget amounts
• organize categories for you

This gives you a working budget setup without needing to configure everything manually.

Expected Result

After onboarding, you will have a custom Pocket setup based on how you manage your money.

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Step 4: Adjust Your Pockets

You can update any Pocket at any time.

Tap a Pocket to:

• change the name
• update the budget amount
• customize the color
• customize the icon

When you adjust your total budget or a Pocket amount, all Pockets update automatically to stay balanced.

Expected Result

Your Pocket setup stays flexible and can be adjusted as your budget or spending habits change.

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Step 5: Log Expenses

After your Pockets are set up, start logging your spending.

You can log expenses naturally, like this:

• Lunch 18
• Uber 24
• Groceries 60

Moneko will:

• assign categories automatically
• place transactions into the correct Pocket
• update your remaining budget instantly

Expected Result

Your logged expenses are organized into Pockets, and your remaining budget updates in real time.

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Step 6: Track Your Spending

Tap any Pocket to view its details.

Inside a Pocket, you can see:

• total budget
• amount spent
• remaining balance
• recent transactions

Use this view to understand where your money is going and how much you have left in each category.

Expected Result

You can quickly check whether you are staying within your budget for each spending category.

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Step 7: Reuse Your Budget Each Month

At the start of a new month, you do not need to start from scratch.

You can:

• copy your previous budget
• keep the same Pocket structure
• make adjustments if needed

This keeps your budgeting system consistent while still allowing flexibility.

Expected Result

You can continue using a familiar budget setup each month and make small changes when your spending changes.

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Customize Your Pockets

Your Pockets are flexible.

You can always:

• rename Pockets
• change budget amounts
• customize colors and icons
• select multiple categories for each Pocket

This lets your setup adapt to how you actually manage your money.

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Good to Know

• Pockets group your spending automatically
• You do not need to categorize everything perfectly
• Budgets update in real time
• The system adapts to your usage over time

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Troubleshooting Common Issues

I Cannot Find Pockets

Go to:

Moneko → Budget → Pockets

This is where your spending categories are managed.

My Pockets Do Not Match How I Spend

You can adjust your Pockets at any time.

Tap a Pocket to change its name, budget amount, color, or icon.

My Budget Amounts Changed After Editing

When you adjust your total budget or a Pocket amount, all Pockets update automatically to stay balanced.

An Expense Went Into the Wrong Pocket

Moneko assigns categories automatically, but you do not need to categorize everything perfectly.

If needed, review your Pocket setup and the categories selected for each Pocket.

I Do Not Know How Many Pockets to Create

Start simple.

Use a few main categories first, such as:

• Rent
• Groceries
• Dining
• Travel
• Subscriptions

You can adjust your setup over time.

I Do Not Want to Rebuild My Budget Every Month

You can copy your previous budget, keep the same Pocket structure, and adjust it if needed at the start of a new month.