A streak tells you whether you logged something yesterday. It does not tell you whether the habit is any good.
Pocket Clear now has a Power score: one number, 0 to 100, for where your money habit is right now, sitting where the streak badge used to be on Home.
Why a streak is not enough
The streak was the app's only habit signal, and it is binary: it exists or it just reset. Two people could both see "12 day streak" — one logging every coffee and never setting a budget, the other running five budgets and opening the app twice a week. The streak has no opinion on which is doing well, and no idea what either should do next. Habit is the second thing people say they value in Pocket Clear, after simplicity. It deserved more than a flame.
Four components, weighted on purpose
The score is the sum of four parts. The weights are the whole design.
Habit, up to 40. How many of the last 30 days you logged at least one transaction on. The biggest weight, because consistency is the habit. Thirty days is the full 40; fifteen is 20.
Volume, up to 15. Your lifetime transaction count, in steps: 1, 10, 25, 50, 100, 200, 500, 1,000. Deliberately the smallest weight — a history should count for something, but a busy week should not buy a good score.
Depth, up to 25. How many of nineteen features you actually use — custom categories, a daily reminder, a widget, recurring transactions, tags and so on. Importing a file once is not a habit, so it is not on the list.
Discipline, up to 20. The share of your active budgets that are within their limit this period. No budgets, no points.
Why budgets count
Logging is the input. A budget is the first place the input turns into a decision, and keeping one is the first evidence that tracking changed anything. A score for a money habit that ignored whether you keep your budgets would be a score for typing.
Two details. Discipline compares spend against the budget's own limit for the current period and ignores anything Budget Rollover carried in, so last month's surplus cannot rescue an overspent budget this month. And budgets are Pro, so on the free plan the row is shown with its value and a PRO badge rather than hidden. Nothing is scaled: 60 means the same for everyone. A free account that logs daily reaches Planner; Power User needs at least one Pro practice. We think that is honest.
It can go down
The score is not lifetime XP. It measures the last 30 days, so it drifts down when you stop. A lifetime total means a two-year user sits at the maximum with nothing to earn. A number that can fall is a number that can pull you back.
Tiers, and one next step
Starter to 24, Tracker to 49, Planner to 74, Power User from 75. Reaching a tier for the first time gets a short celebration and a card you can share. Four tiers means at most three celebrations ever.
Under the number the card shows exactly one thing to do next, in a fixed order: keep today's streak alive, set a budget, log on more days, bring a budget back under its limit, try a feature you have not used, reach the next volume step. One suggestion, with the points it is worth.
What it doesn't do
No leaderboards. Your score is not ranked against anyone. Comparing habits across different incomes and lives would be meaningless, and it would turn a nudge into a contest.
No syncing. The score is computed on your phone, from the data already on it, every time Home loads. It is not sent anywhere, not synced between devices, and not shared with your partner in Partner Mode — each of you has your own. Two parts do read partner data, exactly as the streak always did: Habit and Volume count every transaction on the phone, including the ones a partner logged that synced to it. Discipline counts only your own budgets.
No history graph, no badges beyond the four tiers, nothing on a server. If you would rather not see it, Settings → Appearance → Hide on Home turns the card off and the score keeps quietly counting.
Where to find it
Home, in the card where the streak was. Tap it for the breakdown. Every threshold is spelled out in the help centre: Power Score.
One Number for Your Money Habit
Habit, Volume, Depth and Discipline, worked out on your phone from the data already on it. It goes up as you log and keep your budgets, and it can come down — which is the point.