Summerwear garment convertible to a pouch

The summerwear garment convertible into a pouch has an upper torso garment and a lower torso garment. The lower torso garment has two-pockets. The upper torso garment is folded and placed into one of the two pockets for storage. The two pockets each have an open top side and three edges that are fixed to the side of the lower torso garment. Each pocket has corresponding zipper stringers bordering the three fixed side edges. When the zipper halves are mated, the three edges join together to form a pouch, the lower torso garment being folded between the pockets. The lower torso garment may be shorts or a mini-skirt, and the upper torso garment may be a cropped tank top or a halter top.