POCKET
Seed · Confidential
Seed · Confidential

Money,
made calm.

Automatic saving that feels effortless.

$8
CAC
$1,240
Headline metric
Seed investors
Prepared for
01 / 20
The problem

Budgeting apps make you feel guilty — so people delete them and the habit with them.

personal finance teams feel it every week: the status quo scales cost, not outcomes. There is no clean upgrade path — only rip-and-replace.

02 / 20
Market
01
$8
CAC
02
71%
D30 retention
03
$4.20
ARPU / mo

Bottom-up, the reachable market clears a nine-figure ceiling before expansion.

03 / 20
[ FULL-BLEED · personal finance hero image ]

Set it,
forget it.

04 / 20
How it works
STEP 01
Connect
Map the whole personal finance surface in under an hour. No migration.
→
STEP 02
POCKET core
Golden paths become policy, enforced at runtime.
→
STEP 03
Deliver
Teams self-serve safely with audit and rollback for free.
05 / 20
The product

One surface your whole seed investors lives in.

01
Live graph
Every dependency, owner, and cost in real time.
02
Policy-as-code
Guardrails that block bad changes automatically.
03
Attribution
Every dollar tied to a team and a decision.
[ product UI screenshot ]
06 / 20
Traction

CAC, last 8 quarters

$1,240
+160% YoY
25
50
75
100
146
172
204
240
290
325
388
472
Q3·24Q4·24Q1·25Q2·25Q3·25Q4·25Q1·26Q2·26
07 / 20
Why now

Three forces converging

01
01

Demand

personal finance budgets are shifting from headcount to platform.

02
02

Technology

The primitives finally exist to do this at the edge.

03
03

Distribution

A bottom-up motion the incumbents can’t run.

08 / 20
Adoption

Active accounts

M1M3M6M9M12M15M18
actualguide
09 / 20
Landscape
POCKET
Legacy A
Point tool B
DIY
Breadth → ↑ Depth
10 / 20
Two
Part Two

The economics.

Retention, ARPU, and the growth loop.

11 / 20
Detail

Unit economics

This yearLast yearYoY
Revenue472325+60%
Gross margin78%71%+7 pts
Net retention134%119%+15 pts
Payback11 mo17 mo−6 mo
12 / 20
Where it goes

Use of funds

01
Engineering & product62%
02
Go-to-market29%
03
Operations & reserve9%
13 / 20
Cohorts

Retention by cohort

M0
M3
M6
M9
M12
Jan
100
88
79
72
68
Apr
100
90
82
76
—
Jul
100
91
85
—
—
Oct
100
93
—
—
—
LOWHIGH
14 / 20
Roadmap

The next 18 months

Now → Q2
Land
Own the personal finance beachhead with a self-serve motion.
Q3 → Q4
Expand
Enterprise controls, SSO, and the partner program.
2027
Platform
Open the API and the marketplace.
15 / 20
“
In their words

“I saved more with Pocket than in a decade of trying.”

A member
Verified
16 / 20
Revenue mix

Where the money comes from

0100%
62%
29%
Platform 62%
Services 29%
Marketplace 9%
17 / 20
Team

Built by operators

[ photo ]
A member
Co-founder & CEO
[ photo ]
A. Rivera
Co-founder & CTO
[ photo ]
M. Osei
VP Product
[ photo ]
L. Chen
VP Revenue
18 / 20
In one number
$1,240

saved per user in the first year — automatically.

19 / 20
POCKET

Money, made calm.

pocket.money · seed@pocket.money
[ QR ]
20 / 20