PocketGuard・Budget Planner App

PocketGuard, Inc.

In-app purchases

About this app

PocketGuard is a money and budget planner with a spending tracker and expense organizer. A budgeting app will help you save money and manage your monthly budget with confidence.
Join 1M+ people who already Know Where the Money Goes and What’s Safe to Spend!

Plan your budget with a budgeting app, see your real-life spending patterns over time, set money goals, and use a debt payoff planner and tracker — all in one app designed to give you control of your budget and finance.

Always Know What’s in Your Pocket

PocketGuard helps you make smarter spending decisions by showing:
• Your real-time balance after income and expenses
• The actual safe-to-spend amount after bills, goals, and essentials in your monthly budget plan
• How much you can safely use today without hurting tomorrow’s budget

Spending Pace — You won't overspend anymore

By analyzing budgets, bills, goals, and recent spending behavior, Pace shows:
• On Pace — spending is aligned with your monthly budget plan
• Under Pace — money spending is trending lower than expected
• Over Pace — spending is accelerating and may exceed the budget

Unlike flat daily averages, Pace adjusts to real habits, upcoming bills, and planned contributions — helping you course-correct early and stay in control.

Transaction Rules — Smart Transactions Automation

Create smart, customizable rules that automatically:
• Detect merchant names, keywords, amounts, categories, accounts, and more
• Rename merchants the way you want
• Fix spending categories instantly
• Add hashtags for powerful search and tracking
• Mark transactions as “Don’t count”
• Apply rules automatically to every new transaction

Set it once — and PocketGuard keeps everything organized.

Comprehensive Analytics

Understand your financial habits with:
• Visual spending tracker reports
• Category and merchant breakdowns
• Spending trend analysis

Monthly Budget Review - check the past to build the future.
Review past months to:

• See how spending patterns changed over time in your monthly budget
• Compare month-to-month performance
• Identify what worked — and adjust your budget plan



Bills and Subscription Organizer

Connect your bank, and PocketGuard automatically identifies bills, subscriptions, and recurring payments — then adds them to your budget.
• Never miss a due date
• Spot forgotten subscriptions
• Cancel subscriptions you no longer need
• Keep recurring expenses under control with a bill payment organizer
• Lower bills using a built-in bill negotiation service

Set and Reach Your Financial Goals

Turn your plans into real progress with a built-in savings tracker and saving money app tools:
• Create personalized savings goals in your budget planner
• See how much you need to save each month in your monthly budget plan
• Track your progress with a money tracker
• Adjust your spending to stay on track

Build Your Debt-Payoff Plan

PocketGuard calculates the most efficient repayment strategy so you can:
• Reduce interest costs
• See your debt payoff timeline
• Track progress step by step

Bank-Level Security

Your data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices.

PocketGuard connects to U.S. and Canadian financial institutions only. UK need to be mentioned
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

Installed it, tried the trial. Turns out integration doesn't work for my particular bank. Whatever. Uninstalled the app, but they keep spamming me with email multiple times a day. When I went to unsubscribe, there was no "unsubscribe all" button. I had to click 20 different switches to get them to stop bothering me. Incredibly annoying of the marketing department.

It might be a good app but the free version doesn't allow basic things enough for me to decide if I want to invest in the paid version. For example, it keeps deleting our linked bank accounts (happening on my husbands phone and account too) every month. Customer service rep said that's because it's not paid but that seems like an odd thing to allow to link but then delete it, so I can't trust it will work properly if paid.

really disappointing. I tried to like this app. used it for months and It never got any better. inconsistent tracking spending and income. constantly freezes. not user friendly and support is not helpful. I wouldn't use it if it was free. it's a bummer because the concept is great, but ultimately no better than my normal banking apps.

What’s new

- LAST MONTH’S BUDGET REVIEW IS NOW LIVE!

(Go to the Plan tab → Tap the Month at the top → Choose a month to review)

Simple. Clear. Insightful.
You can now revisit any previous month in the Plan tab.
See how your budget evolved, spot meaningful trends, and plan with more confidence.
A clearer view of your past.
Smarter decisions for your future.

- More updates are on their way.