Free Feature

Power Score

The Power score is one number, from 0 to 100, for how your money habit is going right now. It sits in a card on your Home screen, in the spot the day-streak badge used to have, with three daily rings, your score in your tier's colour, your rank (or your tier name) and one step to take today. Tap the card to see how the number is made up.

It reflects the last 30 days, not your whole history. It goes up as you log, set things up and keep your budgets, and it can go down if you stop. That is deliberate: the score describes where the habit is today, so "get back to where I was" is always within reach.

How it's scored

Four components add up to the score. Each has its own maximum, and the detail screen shows every one as a small bar with what it means and how to raise it.

• Habit — up to 40. How many of the last 30 days you logged at least one transaction on. Log on every one of those days and this is full; miss days and it drops.
• Volume — up to 15. How many transactions you have logged in total. It rises in steps as your history grows, so it rewards showing up over time rather than a busy week.
• Depth — up to 25. How many of the app's features you actually use — custom categories, payment types, a daily reminder, a widget, recurring transactions, tags and so on. It counts the same things the Setup Guide does.
• Discipline — up to 20. The share of your active budgets that are within their limit this period. It compares what you have spent against the budget's own limit for the current period; any amount carried in by Budget Rollover is not counted, so a surplus from last month cannot rescue an overspent budget and a deficit cannot penalise one you kept.

Whole components can be full while others are empty, and that is the point: someone who logs every day but has never set a budget, and someone with five budgets who logs twice a week, now see different numbers and different next steps instead of the same streak.

Tiers

The score puts you in one of four tiers, and the ring on the card takes the tier's colour:

• Starter — 0 to 24
• Tracker — 25 to 49
• Planner — 50 to 74
• Power User — 75 to 100

The detail screen shows the ladder with your current tier filled in and the next threshold labelled, for example "Power User at 75". The first time you reach a new tier you get a short celebration with a card you can share, and a Tell a friend button. Each tier is celebrated once per device, so there are at most three of these ever; dropping a tier and climbing back does not repeat it. The tier you are already on when the card first appears is not celebrated — only a tier you reach after that.

On the free plan

Nothing is scaled or capped for free accounts — the number means the same thing for everyone. Discipline needs budgets, which are a Pro feature, so on the free plan its row is shown with its value and a PRO badge rather than hidden; tapping it opens the upgrade screen. Depth counts both free and Pro features, so a free account can earn part of it. Logging every day, building a history and using the free features gets a free account into Planner; Power User needs at least one Pro practice, such as a budget you keep.

Daily rings

The score moves over weeks; the rings are about today. Three rings sit on the left of the card and reset at midnight, each with its own row so you can see what is done and what is left:

• Log (outer, green) — closes as soon as you add at least one entry dated today.
• Budget (middle, blue) — closes while today's spending stays within your daily pace and reads on pace. With budgets, the pace is what is left in them this period divided by the days left, today included. Without budgets, it compares today with your average day over the last 30 days (for your first week it simply counts as closed). Go over and the row reads over pace, with the ring filled only as far as the pace covers.
• Grow (inner, gold) — one small step picked for you when you first open the app each day, and kept for the rest of that day. It is, in order: bring an over-limit budget back under, else try the next feature you have not used yet (free features only on the free plan, and never one you skipped in the Setup Guide), else review your week in Reports. The card shows it as Today: … with the points it is worth; tap it to go straight there. It closes when the step is done.

Under the step, one line keeps the goal in view — closing all three is how you climb toward the top 1%, and once you are there, how you stay there. Close all three on consecutive days and the card shows Rings closed N days in a row. When a ring closes while you are on Home you get a light tap and a small pulse (no pulse if Reduce Motion, or animations, are turned off). The rings explain themselves on the detail screen too, under Daily rings.

Rank

From 50 entries (at any count on Pro), the card can show your rank next to the score, such as Top 10%; without a rank it shows your tier name there instead. It compares your score with everyone who used Pocket Clear in the last 30 days, and it's worked out once a night. The chip reads Top 1%, Top 5%, Top 10%, Top 25% or Top 50%.

• It only appears when you're in the top half. There is never a "bottom" rank.
• It also stays hidden until enough people are in the comparison for it to mean something.
• Tap the card and the detail screen has a Rank section: "Among people who used Pocket Clear in the last 30 days. Updated daily."

On the free plan, below 50 entries the card's spot on Home shows Road to 50 instead. Pro users see the Power Score card at any entry count.

Where the streak went

Your day streak has not gone anywhere — tap the card and the detail screen shows your current streak and your best streak, the longest run you have had on this device, and every day you log still counts toward Habit. On the Home card, the rings streak (days in a row with all three rings closed) takes its place. The streak milestones and the transaction-count celebrations are unchanged.

Hiding the card

If you'd rather not see it, turn it off from Settings → Appearance → Hide on Home → Power score. The score keeps being worked out in the background — hiding the card only removes it from view, so it is still there if you turn it back on. A tier celebration will not interrupt you while the card is hidden; it waits until you show the card again.

Private, like everything else

The score is worked out on your phone from the data already on it, every time Home loads. It is not synced between your devices and not shared with a partner in Partner Mode — each of you has your own number. The one thing that leaves your phone is the score itself, a single number, sent with the app's daily check-in so the rank chip can compare it. None of the transactions behind it are sent. Since version 2.18 the score, the daily rings and the streak count only the entries you logged — a partner's transactions that synced to your phone don't add to your number — and Discipline counts only your own budgets, never a partner's. If you're partnered, your score may dip once after updating to 2.18 as partner entries drop out; that one-time change isn't shown as a drop.