Money vision board: a digital one you open as if it’s already yours

▶See it on a phone · 8 sYour goal balance, opened as if it’s already yours.

What a money vision board is

A money vision board, or financial vision board, is a vision board for money: the figure you’re working toward, kept where you’ll see it every day, so the goal stays in front of you. Most are collages. A house, a beach, a savings figure printed large, a balance cut from someone else’s banking app. They show the number, but they don’t behave like money you have. You look at a picture. You open an app.

This page is about the app version. Pozer makes money apps you fill in yourself and install on your own phone: a bank account app, a crypto wallet and a crypto exchange. Each looks and works like the real kind of app. It opens fullscreen from its own icon, beside the apps you use every day, with your name in it and the goal you typed already inside: the balance, the savings, the coins. You open it as if it’s already yours. Building one and installing it are free.

Digital vs physical vision boards

A physical vision board is card or cork with pictures pinned or glued to it. A digital vision board is the same idea on a screen: a collage made in a design app, a Pinterest board, a phone wallpaper. For the life around the money, the house, the trip, the view from the desk, either works. For the money itself, each leaves a gap.

• A physical board hangs in one room. You see it when you’re there, not when you’re thinking about money, and the number on it is a picture of a number.
• A digital collage or wallpaper goes everywhere with you, but it is still a picture, and a picture you pass fifty times a day soon becomes one you look straight through.
• An app sits where you already check money. You tap it, it opens on a greeting with your name, and the number is there, in the form you’ll actually see it. You open it on purpose, which is the habit a vision board is meant to build.

They aren’t rivals. Plenty of people keep both: the pictures on the wall, the number on the phone, and an image of the app pinned beside the pictures it pays for. Saving one is covered further down.

It’s for you

One rule, said plainly. The app is not a record of a real account or of anything you own, and it must never be shown to anyone as money you have: not a landlord, a lender, an employer, a buyer, a partner, a date or the people who follow you. Kept on your own phone and your own board, it’s a goal. Shown to someone as real, it’s a fake balance, which our acceptable use policy prohibits, and accounts used that way are closed.

Why an app works: act as if

A lot of manifestation practice comes down to one instruction: act as if. Live in the end. Assume the feeling of the wish fulfilled, in Neville Goddard’s phrase, and step into the version of yourself who already has what you want. Applied to money, it means feeling ahead of time what it’s like to open your bank app, or your wallet, and find enough there, and coming back to that feeling every day. The guide to living in the end covers the practice itself.

That feeling is hard to reach from a picture on a corkboard. It is easier to reach through the thing you actually use. For most people, meeting their money is a phone in one hand and an app opening under the thumb: the greeting, the half-second of loading, the number. Rehearsing that moment works best with the same gestures. You tap the icon, the app opens on your name, and the balance is already there.

• It sits where you check money. On your home screen, beside the apps you open every day, so seeing it fits a habit you already have instead of asking you to build a new one.
• It answers your thumb. Tap an account and its transactions open; tap a token in the wallet and its own page opens with a chart. A goal you can move around in feels less like a poster and more like a place you live.
• It holds still, or follows the market. The bank app shows the figures you set every morning until you change them. The crypto apps can do the same, or value your coins at today’s prices.

What it can’t do is make the number true. It connects to no bank, blockchain or exchange, can’t see what you really have, and moves no money. We make no claim about what visualising a balance does for anyone, and nothing here is financial or investment advice. The app gives the practice a place to happen. Whether that helps you is yours to judge, and it costs nothing to find out.

Financial vision board ideas: six goals

The figure to type is the one you would plan around. A balance that pays for something you can name is easier to feel than the biggest number that fits on the screen. And a balance to the cent reads as an account, where $1,000,000.00 on the nose reads as a number someone typed. These six money vision board ideas cover most financial goals, each with the app that suits it:

• A house fund. The bank app, with savings nicknamed House Fund holding the down payment you need, checking holding a comfortable month, and the card owing nothing. It’s the worked example below.
• Debt-free. The bank app’s credit card at $0.00 owed, with its whole limit available and its bar empty, and one line on it for the payment that cleared the last of it.
• An emergency fund. Savings nicknamed Emergency Fund, holding six months of what your life costs. As a vision board for saving money it’s the plainest goal there is, and one of the easiest to feel.
• A year off. Savings nicknamed Year Off, holding a year of rent and living, and a rent line in checking that leaves without a second thought.
• A portfolio. The crypto wallet, with a seven-figure total across the coins you mean to hold, typed so it holds still.
• One whole bitcoin. The crypto exchange, counting its total in bitcoin, so the headline reads 1.00000000 BTC.

One app holds one goal. Each app you publish is separate, with its own link, name, icon and figures, so a house fund and a bitcoin goal can sit side by side on your home screen.

A bank account vision board

Pozer’s bank account app, called Teller where you build it, looks and works like the banking app already on your phone: a greeting with your first name, a total balance across your accounts, each account with its own balance and its own list of transactions, and a card with your name across it. It is Pozer’s own design, not a copy of any bank’s. There is no real bank’s name, logo or look on it, and you don’t need one: it’s your own bank app, under a name you choose.

What you see when it opens

The app opens on Accounts. Across the top are your app icon (or your initials, until you add one), a greeting with your first name, and an eye button. Below them is a coloured card with Total balance in the largest figures on the screen, and Checking + Savings in small print underneath, because the total is those two added together. Under the card, Bank accounts lists your checking and savings, each with its nickname, its type, its last four digits and its balance. Below them, Credit card shows what the card owes against its limit, with a bar that fills as it’s used: owe nothing and the bar is empty.

The bar along the bottom moves between Accounts, Transfer, Cards and Profile. Cards shows a card with your full name across it in capitals. Profile shows your name beside your initials, and under it the app’s name and how many accounts you hold.

Set it up

You build it in a browser, on a computer or a phone, with the fields down one side and a live preview beside them that changes as you type. The preview works like the app: its tabs switch and its accounts open, so you see the goal before anything is installed.

1. Owner. Your own name, up to 26 characters, and a greeting: Good morning, Good afternoon, Good evening or Welcome back. Accounts greets you by your first name. Then the currency: US dollars, pounds, euros or rupiah.
2. Checking and savings. A nickname for each, up to 28 characters, and the balance you’re working toward. Banking apps let people nickname their accounts, so House Fund or Year Off reads naturally and keeps the goal in plain sight. The last four digits are any four you like.
3. Credit card. What it owes and its limit, set to suit the goal, or switch it off.
4. Transactions. Up to 30 lines, written as the life that comes with the balance. More on those below.
5. Theme. An accent colour, which fills the balance card and the buttons, and a background. Pick a dark background and the whole app turns dark, its text with it.

A few things about how the figures fit together:

• Total balance is checking plus savings. The credit card isn’t part of it. Switch savings off and the card at the top shows checking’s Available balance instead of a total.
• Each account’s figure is its available balance. An account’s own page also prints a Current balance and Pending, worked out from any lines you mark as pending. Mark none and the two balances match.
• Balances and transactions are typed separately. Adding a line doesn’t change a balance. If the story says $4,200 came in today, the balance you type already includes it.
• Long figures shrink to fit. Seven figures with cents still sit on one line in the balance card.

Write the transactions as the life you’re stepping into

The transactions are what make the balance feel lived in. Each line has an account, a description of up to 40 characters, a type, an amount, a Money in switch, a date and a Pending switch. The date is words you type, up to 16 characters, so it can say Today, Yesterday or This month. Lines with the same date gather under one heading, in the order you list them, and money in carries a plus sign.

Write them as the version of you who already has the balance would see them: the client payment that arrives, the rent that leaves without a second thought, the transfer into savings that has become routine, the interest the savings pay. There are nine types, among them Transfer, Bill payment, Interest and Refund, and each draws its own icon beside the line. If you already script, writing out your future in the past tense, the list is the same exercise in a different place. Replace the lines the app starts with, whatever you write: they are placeholders.

One goal, set up from start to finish

The two screens above are one goal typed in full, and each choice in it is there for a reason.

• The app is called Norwyn, one of four made-up names Pozer suggests, so it reads as a bank without being anyone’s. The icon was skipped, so the top left of Accounts shows the owner’s initials.
• The owner is Maya Chen, and the greeting is Welcome back. It reads at any hour, which suits an app opened morning and night.
• Savings is House Fund, at $120,000.00. That is the goal: the down payment, saved. A round figure works here because it is the target itself; everything around it has cents.
• Checking is Everyday, at $18,640.32. A comfortable month with a cushion, which is part of the feeling: the goal is reached and the bills are still paid. Together they make a Total balance of $138,640.32.
• The Travel Card owes $0.00 of a $15,000.00 limit. Its bar is empty, and its last line, Payment from Everyday, is the payment that cleared it.
• The lines tell the rest. A client payment of $4,200.00 in today, $2,000.00 moved into House Fund, the rent paid yesterday, the month’s interest on savings. Read in order, they describe a month in which money is not a worry.

Your own goal will have different figures, but the same shape works for most: one account that holds the goal, one that shows daily life is covered, a card that owes nothing, and a handful of lines that make the two believable together.

A crypto vision board

If your goal is coins rather than savings, the same idea works on Pozer’s two crypto apps, drawn in the style of an exchange like Binance and a wallet like Phantom. Both are Pozer’s own designs, with no connection to either company and none of their names, logos or artwork on them; we name the style only so you can find the kind of screen you want. Either one installs on your home screen and opens fullscreen from its own icon, with the coins you’re working toward already in it. Choose the one that looks like the moment you’re working toward.

• The wallet (called Vault where you build it) is dark and simple. It opens on your wallet’s name, then your total in large type, then a line in green or red for the change, with the period beside it: Today, This week, This month or All time. Under that are an optional Cash row and a list of Tokens, each with its name, how much you hold and what it’s worth. Tap a token and its own page opens with a chart.
• The exchange (called Bourse) is busier, like an exchange account’s home. Est. Total Value is counted in the unit you choose, BTC to start with, to eight decimal places, with what that comes to in dollars on the line underneath. A search line, a row of shortcuts and a list of markets sit around it, and the Assets tab lists each coin you hold with its amount.

Coins or dollars: decide what the goal is

The most useful choice you make is the Live prices switch, because it decides what the goal is.

• Live prices on: the goal is coins. You type how much of each coin you hold, and the app values it at the current market price, with the real 24-hour move. The total follows the market every time you open it.
• Live prices off: the goal is a figure. Every number is the one you typed, and it is the same every morning. Choose this if your goal is a total, a seven-figure portfolio, say, and you want to see that exact figure each time.

In the wallet, live prices off shows a Total balance box and a Change amount box, and every token gains a Value and a 24h % box. The total is what you type there, not a sum of the rows, so make the tokens add up to it. In the exchange there is never a typed total: with live prices off you type each coin’s unit price, and the total is always the coins times their prices.

A bitcoin vision board: count coins, not dollars

Plenty of bitcoin goals aren’t in dollars at all. One whole bitcoin. A tenth of one. Twenty-one. The exchange is built for that kind of goal, because it counts its total in a coin.

1. Set Value shown in to BTC.
2. In Holdings, keep a single row: BTC, with the amount you’re working toward. Delete the other coins the app starts with.
3. Set Futures wallet (USDT) to 0 and delete the two futures positions the app starts with. Both count toward the total, and a bitcoin goal has no use for them.

Now the headline is your coin count, to eight decimal places: 1.00000000 BTC for one whole coin. With live prices on, the line under it shows what that is worth today and moves with the market, while the headline stays exactly where you put it. Value shown in also takes ETH, BNB, SOL and USDT, or Fiat to put the money figure in the headline instead.

Set up the wallet or the exchange

• The wallet. Wallet name, up to 22 characters, above your total. Live prices, and with it off, Total balance, Change amount and Change period. The currency: US dollars, euros or rupiah. Show cash and Cash balance, a row of spendable money above the tokens. Up to 14 tokens, each with a symbol, a name and a holding; common coins come with their own logos, and you can add one for any other. Trend, the shape of a token’s chart, and an accent and a background colour.
• The exchange. Value shown in, and Fiat: US dollars, euros or rupiah, where a money figure above a million drops its cents. Up to 12 holdings, each an amount, and with live prices off a unit price and a 24h %. Futures wallet and Futures positions, which both count toward the total. Markets, the venue’s list on the home screen, which doesn’t change your total. Pinned search hint, an accent, a background, and a light or dark theme.

The two goals above, set up

• The wallet: a seven-figure total. Wallet name Long Game, Live prices off, Total balance 1,000,000. Four tokens at the same prices the exchange uses: 6 BTC at $477,000.00, 80 ETH at $198,400.00, 2,000 SOL at $209,000.00 and 115,600 USDC at $115,600.00, which add up to the total exactly. Each token’s 24h % gives it a small move for the day, and the Change amount, $22,131.46 for Today, is those moves added together. Show cash is off.
• The exchange: ten whole bitcoin. Value shown in BTC, Live prices off, one holding of 10 BTC at a unit price of $79,500, the Futures wallet at 0 and both positions deleted. The headline reads 10.00000000 and the line under it $795,000.00. Turn live prices on, and the headline still reads 10.00000000 while the line under it follows the market.

The care over the sums is not for anyone else. A figure that adds up reads as a portfolio, one that doesn’t reads as a picture, and the whole point of the app is that it reads as yours.

Crypto affirmations, where you’ll read them

Crypto affirmations work best short, in the present tense, and about how you act rather than what the market does. Something like:

• I hold with patience.
• I buy with a plan and keep to it.
• One whole bitcoin is mine.
• I am calm when the market isn’t.
• My portfolio grows as my knowledge does.

Put one where you’ll actually read it. In the wallet, Wallet name sits right above your total, so a line of up to 22 characters there is the first thing you read each time. In the exchange, Pinned search hint takes up to 28 characters and is shown first in the search line at the top of the home screen, before the line rolls on to the market’s trending coins and back. And the app’s own name, under its icon, is read every time you unlock your phone.

Put it on your home screen

1. Name it and give it an icon. The name sits under the icon on your home screen. Pozer suggests made-up names: Halvern, Norwyn, Tolmere and Brackwell for the bank; Vault, Keep, Haven and Orbit for the wallet; Bourse, Pit, Depth and Vertex for the exchange. Or use a word that means something to you, but never a real bank’s or company’s name or logo. Upload an icon of your own, or skip it and a letter tile is made from the name. Settle both before you install: an iPhone keeps the name and icon the app had when it was added.
2. Press Create home-screen app and confirm your email with the six-digit code it sends. There is no card and no password. The app goes live at its own link, with a QR code beside it.
3. Open the link on your phone. On iPhone, use Safari, then Share and Add to Home Screen. On Android, use Chrome and choose Install app.
4. From then on it opens fullscreen from its own icon, with no address bar. Put it where your eye goes first: the first home screen, or the dock.

It is a web app with no offline copy, so it needs a connection to open.

Money vision board wallpaper and images

How you save a picture of it depends on the app.

• The bank app has no export button, on purpose. A ready-made image of a balance is the one thing it won’t make. Take an ordinary screenshot of the installed app on your phone instead: open it on Accounts for the total, or on an account’s own page for one figure in large type, then press the side button and volume up together on iPhone, or power and volume down on most Android phones.
• The crypto apps have Export PNG (3x). Where you build the app, under the publish panel, it saves whichever screen the preview is showing as an image 960 by 2,079 pixels, close to the shape of a phone, without a phone frame around it. Open the token or the tab you want in the preview first. The wallet’s file is named wallet-mockup.png and the exchange’s exchange-mockup.png. You can also capture the installed app’s screen on your phone the usual way.

For a lock screen, set the image as your wallpaper and move or zoom it until the figure is clear of the clock. For a board, crop it and put it beside the picture it pays for. A collage shows the house, the trip, the view from the desk; this square shows the number that pays for them, in the form you will actually see it, so the two read together.

An image shows exactly what the app shows, so a free app’s image carries its visible Pozer mark too. Pro, at US$4.99/wk or US$12.99/mo, removes it from your own apps on up to five devices where you’re signed in. And make your board from your own app, not from a real bank’s or exchange’s screen: the boards you find online are full of those, and a real company’s screen with your figures on it is an impersonation, not a goal.

Open it every day

The ritual is the point. Pick a moment you already have, the first look at your phone in the morning, the ride to work, the minute before you sleep, and open the app then. Let the greeting land, or let the wallet load. Look at the number and take a breath as the person whose number it is. Tap into the account or the coin that matters most. A minute is enough, and the same minute every day does more than a long one now and then.

• Hide it in company. In the bank app, the eye at the top right of Accounts swaps every figure on that screen for dots, and a second tap brings them back; Profile has the same control as a Hide balances switch. Close the app and it opens with the balances showing again.
• With live prices on, pull down to refresh, the same gesture you would make on a real wallet. The total moves with the market and the coin count stays put.
• Change it as you go. In the installed app, hold two fingers still on the screen and an Edit button appears for five seconds. Tap it, change any figure and tap Save changes. On iPhone the first hold asks you to sign in once, because the home-screen app keeps its own sign-in, apart from Safari’s.
• Move money between your own accounts. The bank app’s Transfer moves an amount from checking into savings or back. Both balances change, and each account gains a line dated Today. What a transfer changes stays on that phone, and Reset to published values, in the same Edit sheet, puts the figures back to the ones you published.
• Close the gap honestly. If you really are saving or buying toward the goal, keep one account or one row for what you actually have, and move it up as it grows. It helps to end the minute with one real step, such as a real transfer into real savings, however small.

What it isn’t

1. A bank account, a wallet or an exchange account. It connects to none of them, holds no money or crypto, and can’t move any.
2. A statement, a letter or a PDF. A statement is a document people are asked to hand over, whatever its caption says, so the app makes none.
3. A whole account or routing number. The bank app has only the last four digits.
4. Something that asks for a bank login or a recovery phrase. It never will, and anything that looks like a wallet and asks for yours is a scam.
5. A real company’s app. It carries no bank’s, exchange’s or wallet’s name or logo.
6. Financial advice. The figures and coins on it are your goal, not a recommendation.

Where to go next

For the practice behind all of this, read living in the end. For a goal balance on a payment app instead, with a savings ring that fills as you really save and a daily exercise built in, see the guide to a manifestation bank account. Otherwise, start with the bank account app or the crypto wallet.