About PocketRatio

Native iPhone app · Built for clarity

Medical costs are hard to track. Insurance explanations are confusing. Most apps ask you to link a bank account before showing you anything useful.

PocketRatio does one thing: it shows you what you actually spent out-of-pocket this month, as a share of your income. One number. No bank linking. No ads.

Why out-of-pocket ratio

Most people don't know what percentage of their income goes to medical costs. That number matters — it affects financial stress, care decisions, and tax planning. PocketRatio makes it visible, updated every time you log an expense.

What's inside

• Out-of-pocket ratio — monthly spend as a share of income, using Standard IRS or Clinical Toxicity math
• Budget vs actual — set a monthly target and track overage
• Annual OOP cap progress — know how close you are to full insurance coverage
• Category breakdown — spending by Medication, Direct Care, Lab, Procedure, and Premium
• Manual entry + receipt scan — log expenses by hand or photograph a receipt; OCR extracts the total automatically
• CSV import and export — your data, portable, no lock-in
• Siri shortcuts — quick-add an expense without opening the app
• Sign in with Apple + Demo mode — try it with US sample data before committing any personal records

Privacy model

Your data never leaves your device unless you choose iCloud sync — and even then, it goes through your own Apple account, not our servers. No analytics SDKs. No ad tracking. No bank linking. The app works fully offline.

Built by

PocketRatio is designed and built by Vinith Joshua John, an independent developer. More at wisdomdeep.com.

Contact