Frequently asked questions

Yes — for now. Poko Plan is free while we’re in this early-bird chapter: create an account and use the full calm expense tracker at no charge. We plan to introduce a paid version later; we’ll say so clearly before anything changes.

Create a free account at app.pokoplan.com, add the accounts and categories you actually use, then log a few transactions. WhatsApp capture is there when you want it.

Poko Plan is a web app you can install to your home screen (PWA) from a modern browser. There is no separate store listing required.

No. Poko Plan is a personal ledger and companion — not a bank, not a card issuer, and not a marketplace for financial upsells.

Link your phone number once in the app, then message the Poko Plan WhatsApp number with a short note, voice clip, or receipt photo. Poko parses it into a tidy transaction and logs for you. More on the WhatsApp expense tracker page.

English, Urdu, Arabic, and many more. Short voice notes and receipt photos are also supported when you don’t feel like typing.

Optional AI parsing for WhatsApp sends only the content needed to turn a message into a transaction. See the privacy policy for processors and retention.

You set monthly category limits that act as signals. When spending runs thin, the app can highlight context — not a guilt trip.

Yes. Accounts can use different currencies with FX-aware totals so your books match real life across cash, cards, and overseas accounts. See how Poko Plan works.

Yes. Hide amounts in one tap when someone is looking over your shoulder.

Yes. Attach receipts to transactions and use cloud backups, so your books stay recoverable.

Delete your account from Settings in the app. For other questions, email [email protected].