How to make a manifestation bank account on your phone

A manifestation bank account is the balance you’re working towards, kept where you’ll see it every day. Most are pictures: a banking app screenshot edited to show the figure, a printed statement, a cheque made out to yourself — what some call an abundance check — or a square on a vision board. This one is an app: Pozer’s payment app, filled in with your goal. It sits on your own home screen, opens fullscreen like the apps beside it, and shows your goal where a balance goes, with a savings ring that fills as you really save. This guide covers setting it up, three ways to use it, and what it can’t do.

What it can do, and what it can’t

Looking at a number won’t put money in your account, and nothing in this app can. It connects to no bank, card or payment network, it can’t see your real balance, and every figure on it is one you typed. We make no promise about what visualising money does for anyone, and nothing here is financial advice.

What it can do is what a goal stuck to the fridge does: keep the number in front of you. The difference is where it sits — in an app you open with your thumb, between the ones you already check every day, with the figure in the place a balance actually appears. Whether that helps you is yours to judge, and it’s free to find out.

Keep it yours

This is a screen for you. Shown to anyone as your real balance — a landlord, a lender, an employer, a partner, the people who follow you — it stops being a goal and becomes a fake record, which our acceptable use policy prohibits. Accounts that do it are closed. Sharing your board is fine when it’s plainly a goal, so say so when you post it.

Set it up

1. Open the payment app in the editor: the fields down the side, and a live preview of the phone beside them that changes as you type.
2. Name it. The name sits under the icon on your home screen; pick one that says what it is — Goal, Future, Next Year — so nobody who picks up your phone takes it for your bank, you included. Upload an icon of your own (a picture from your vision board, say) or let the editor make a letter tile from the name. Set both first: they’re fixed the moment the app is added to your home screen.
3. Fill in the figures. What goes where is below.
4. Tap Create home-screen app. The first time, it asks for your email and sends you a six-digit code — no card and no password.
5. Open the link on your phone (the editor shows a QR code for it) and install it. On iPhone, in Safari, tap Share, then Add to Home Screen — Chrome and the browsers inside Instagram or TikTok won’t install it properly. On Android, in Chrome, tap ⋮, then Install app.

What goes where

The app opens on its Money tab, so that’s where the goal goes.

• Cash balance is the finish line: the figure you’re working towards. Make it one you’d plan around — the deposit, a year’s rent, the debt gone — rather than the biggest number that fits.
• Savings is where you are. Put what you’ve actually saved in Savings balance and your target in Savings goal. The ring beside them fills to match, and the card shows what’s left — $6,550.00 to goal. When savings reach the goal, the ring closes and the card reads $0.00 to goal.
• Paychecks this month is the monthly pay you’re working towards, shown under the balance as $5,200 this month.
• Activity holds the payments you want to see. Up to eight lines, each with a Name, a Note, an Amount, an Incoming switch and a When — and When takes any text, so it can hold a deadline: New role, First salary, By March; Car loan, Paid off, By June.
• The rest is yours to dress. Your $tag at the top, up to 20 characters, and your initials in the circle; dollars, pounds, euros or rupiah; an accent colour for the $ button, the savings ring and every incoming amount; and a background, which turns the whole screen dark if you pick a dark one.
• Two parts stay. The Bitcoin card is always there, so set it to what you hold, or to zero. The two Explore tiles, Card offers and Direct deposit, are set dressing and don’t open anything.

Three ways to use it

Open it every morning

The plainest way: put it on your first home screen, leave the figures alone, and open it with everything else you open first thing. The balance shows where you’re going, and the ring shows where you are.

Move the ring as you save

Each time you really put money aside, move Savings balance up by the same amount, and the ring fills a little more. You can do it from the phone: hold two fingers still on the screen, and an Edit button only you can see appears for five seconds. Tap it, change the figure and tap Save changes. If the installed app doesn’t know it’s yours yet — on iPhone it keeps its own sign-in, apart from Safari’s — the same hold asks you to sign in once instead.

Make a deposit every day

A common exercise gives you an imaginary sum each day — $1,000 on the first, $2,000 on the second, and so on — to deposit and then spend in your head. Here the buttons do the depositing. Tap Add money, type the day’s figure, put the day in From (optional) — Day 1, Day 2 — and tap Add money at the bottom. A tick draws itself, the receipt says Received with the new balance under the amount, and a line lands at the top of Activity. To spend it, tap the $ in the middle of the bottom bar, which is Pay, and type what you’d buy in To (optional).

Every line you add reads Now, which is why the day goes in From, and Activity keeps the newest twelve. The deposits stay on that phone when you close the app. Saving a change from Edit, or publishing again from the editor, starts the app over from the saved figures and clears them — so leave the figures alone while a run is going, and when you want a clean start, Edit has Reset to published values.

As your wallpaper

To see it without opening anything, make it your lock screen. With your figures set, tap Export PNG (3x) in the editor: it saves the screen as an image, 960 by 2,079 pixels and close to the shape of most phones, ready to set as your wallpaper. It exports whichever tab the preview is showing. A screenshot of the installed app works too. On the free tier both carry the SIMULATED · POZER.COM mark, and Pro, at US$12.99/mo, removes it.

Goals that aren’t a balance

• A store you’re building: the store dashboard, with the sales you’re aiming for.
• A channel you’re growing: the creator studio, with the subscriber count you’re working towards.

Same rule for both: goals for you, never shown to anyone as your real results. And every field and button in the payment app, one by one, is in the full walkthrough.