Budget App — PocketGuard

PocketGuard, Inc.

In-app purchases

About this app

Budget Tracker & Money Planner — Join 1.7 M+ users who know exactly where their money goes and what's safe to spend.

Take control of your budget with PocketGuard — all-in-one budget planner, expense tracker, and bill organizer. Named by Forbes as one of the best budgeting apps of 2026, CNBC Select's pick for best app for over-spenders, and CNN's favorite budget app.

"PocketGuard is an invaluable tool for getting a comprehensive and regularly updated overview of your money situation." — Forbes

Build budgets that match your actual spending habits: custom categories, rollover budgets, and flexible transaction splitting for shared costs or mixed purchases.

Always Know What's in Your Pocket

• Budgeting with PocketGuard helps you make smarter spending decisions:
• Real-time budget balance after income and expenses
• Safe-to-spend amount after bills, goals, and essentials
• How much you can safely use for daily spending without hurting tomorrow's budget

Spending Pace — You won't overspend anymore

PocketGuard's overspending alert — Spending Pace — analyzes your bills and habits to show whether you're on track before the month ends:
• On Pace — spending is aligned with monthly budget plan
• Under Pace — spending is trending lower than your budget expected
• Over Pace — spending is accelerating and may exceed the budget

Smart Transaction Rules — Automatic Expense Categorization

Create smart, customizable rules that automatically:
• Detect merchant names, keywords, amounts, categories, and accounts
• Rename merchants, fix categories, and add hashtags for spending tracking
• Mark transactions as "Don't count"
• Apply rules automatically to every new transaction

Spending Analytics & Monthly Budget Review
• Visual budget & spending tracker reports
• Category and merchant breakdowns
• Month-to-month budget performance comparison
• Spending trend analysis

Bills and Subscription Organizer
• Connect your bank and PocketGuard automatically identifies bills, subscriptions and recurring payments.
• Never miss a due date
• Spot and cancel subscriptions
• Lower bills using a built-in bill negotiation service

Build Your Debt-Payoff Plan
PocketGuard analyzes your spending to calculates the most efficient repayment strategy so you can reduce interest costs, see your payoff timeline, and track your budget progress.
Bank-Level SecurityYour data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices.

FAQ

What is PocketGuard and how does it work?

PocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge), automatically categorizes transactions, identifies bills and subscriptions, and calculates how much you can safely spend each day.

Who is PocketGuard best for?

Anyone who wants to stop overspending, pay off debt faster, track subscriptions, or build savings.

Is PocketGuard free?

Yes — core features are free. PocketGuard Plus unlocks unlimited budgets, transaction rules, debt payoff planner, and more. Start with a 7-day free trial, then $12.99/month or $74.99/year.

Is it safe to connect my bank?

Yes. PocketGuard uses 256-bit SSL encryption, biometric login, PIN protection, and MFA. Your credentials are never stored — read-only access only.

Which countries and banks are supported?

PocketGuard connects to financial institutions in the United States, Canada, and the United Kingdom.

Can I use PocketGuard without connecting to a bank?

Yes. You can manage your budget and add transactions manually.

PocketGuard Plus Subscription
Start a 7-day free trial, then choose a plan: Monthly — $12.99 Annual — $74.99

Prices may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before renewal. Any unused portion of a free trial is forfeited once a subscription is purchased.
Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/

Ratings and reviews

I thought I signed up for the no pay version, but I must have signed up for the trial, and it automatically charged my card at the end of the trial? That's ok, because this is a great alternative to MINT. Very easy to use. My only complaint is that it has "synching " problems all the time. I have to try synching my bank accounts every time I open it., wait and wait for a verification code, then wait and wait for it to synch to my account. Very annoying!!

I actually loved the app, spent a lot of time getting it set up perfectly to find out it has issues syncing with my bank (I've read cibc issues in other reviews too) luckily I found out during my trial so I wasn't out anything. But I definitely would have got the membership if I was with another bank. edit: please please fix cibc/simplii accounts!! all the other apps suck!! 😭

I loved this app until it completely stopped working for all my bank accounts. Things sync forever only to fail. With or without plaid. And nothing really loads. I really wish this worked for me. I contacted them at apps support link but I got no response for weeks. -- UPDATE: The sync works now and this review gave me the support I needed. They refunded my lifetime subscription and gave me a 3 month trial to give it a shot again. I just wish I got the support sooner but it was nice of them.

What’s new

Stability tweaks and other improvements to make managing your money as easy as possible.

Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!