Lay out your napkin flat in front of you on a table or other flat surface.
Fold the napkin in half vertically, then fold the bottom of the napkin up so the edge lays about a third of the way from the top.
Fold the new bottom of the napkin up about halfway again so the bottom is double the thickness.
Fold both sides back toward the center, letting one side overlap the other by about an inch. Tuck one side into the other to help hold it in place.
Flip the napkin over gently, revealing the pocket. Place your silverware in the pocket and arrange as you like.