PocketGuard – Budgeting App

Name: PocketGuard – Budgeting App
Rating: 4.6 (7637 reviews)
Author: PocketGuard, Inc.

Expense & Subscription Manager

Free · In‑App Purchases

7.6K Ratings
Age Rating

4+
Years
Category

Finance
Developer

PocketGuard, Inc.
Language

EN
English
Size

154.9
MB

PocketGuard is a budgeting app for people who want to be on top of their money. Personal finance is made simple by smart algorithms, which means budgeting with PocketGuard is so easy that you don't have to spend your entire life crunching numbers. We take care of all the routines like expense tracking and bill monitoring so you can clearly focus on money management operations. Always know what's in your pocket! A budget is a difference between income and expenses. If it's positive - you're doing well. In any other case, the budget is unbalanced and needs attention. This is where the "Leftover" feature takes action. How much disposable income do you have after paying your bills, saving for your goals, and setting aside enough money for needs and wants? The PocketGuard budgeting app does those calculations for you! Always know the actual safe-to-spend amount so you can fit your monthly budget. Comprehensive analytics! Budget and expense tracking are just a part of the story. If you wanna do money management the right way you need to learn from the data you track. PocketGuard's budgeting app provides you with various reports to let you see personal finances from different angles. Learn about your spending habits, make necessary adjustments, and optimize your monthly budget. Bill tracker and subscription manager! You can use PocketGuard as a bill organizer. Once you connect bank accounts the app starts working as a finance tracker. All your bills and subscriptions will be identified automatically and included in your monthly budget. The bill organizer will help you never miss the due date again. PocketGuard bill organizer gives you an easy way to negotiate better rates with your provider. So you can optimize your budget by cutting costs on services you use. PocketGuard subscription manager will help you to find subscriptions you might have forgotten about. This is another money management trick - stop paying for services you no longer need. Set and reach your financial goals! Goals are a key concept of budgeting. As was mentioned before, expense tracking is just a part of the story. Personal finance is made of goals. Let's say you want to spend less on shopping or save more for vacation. These are financial goals. The PocketGuard budget app gives you all the necessary tools to set them properly. Set up your debt-payoff plan! Nobody's perfect and almost anyone has debt to pay off. The question is: do you have a plan? Connect all your credit and loan accounts and we'll show you the way to a debt-free future. Our smart algorithm calculates the most profitable debt repayment strategy so you'll save hundreds or even thousands by paying less in interest! BANK-LEVEL SECURITY We use the same 256-bit SSL encryption as all major banks to ensure your sensitive information is safe and sound. The PocketGuard app also uses PIN codes and biometrics, like Touch ID & Face ID, as an additional security layer. PocketGuard connects to U.S. and Canadian financial institutions only. PocketGuard Plus subscription lengths and prices: Monthly - $12.99* / month Annual - $74.99* / year Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice. If you choose to purchase PocketGuard Plus, payment will be charged to your iTunes account. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Auto-renewal may be turned off at any time by going to your settings in the iTunes Store after purchase. Any unused portion of a free trial period will be forfeited if you purchase a different subscription plan. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/

Events

CHALLENGE
30-Day Budget Pace Challenge

Build a daily habit of tracking your spending pace and stay within your budget with simple, real-time insights.

Ratings & Reviews

4.6

out of 5

7.6K Ratings

Going on 2+ years: you will not regret
02/27/2021

LiveLiv14
Let me tell you- all of the previous reviews are old. I’ve been on this app for the since 2019 & will honestly be here until I die. Hoping it lasts that long. 🙏🏽 I’ve been searching for a way to understand my spendings between categories, month over month & watching my budget. This is everything & more. I love the personalization that I can add my own catergories, mark a specific merchant as something once and never have to touch it again & even exclude things like transactions between my accounts. This is the app if you’re anal about how you spend your money & it even helps if I want to budget for let’s say shopping. I love it. Please note I am a premium user & to me it’s worth it. But I’m sure the free version is equally as good. The other apps mint, your bank, random ones only work if you have a goal. But for me, I want to know where, what & compare my spendings month over month so I can see how I’m doing. Or if I need to stop spending! Anyway highly recommend. And two last things- 1) they’re IT or support literally responds within 48 hours. You’re never left hanging and no question is stupid. 2) the app is constantly evolving. It’s not the same as it was two years ago, it’s better! If there’s a bug, report it! If you have a suggestion, suggest it! I love all the latest updates & it really helps me think of how I’m spending my money which was my ultimate goal. Thank you!!

Developer Response
Hi there! Thank you so much for your love! Your review inspires our team to grow and become one of the best budgeting apps. Please, reach out anytime at support@pocketguard.com if you'd like to share any thoughts or have any questions about the app. Have a wonderful day.
Going on 2+ years: you will not regret
02/27/2021

LiveLiv14

Let me tell you- all of the previous reviews are old. I’ve been on this app for the since 2019 & will honestly be here until I die. Hoping it lasts that long. 🙏🏽 I’ve been searching for a way to understand my spendings between categories, month over month & watching my budget. This is everything & more. I love the personalization that I can add my own catergories, mark a specific merchant as something once and never have to touch it again & even exclude things like transactions between my accounts. This is the app if you’re anal about how you spend your money & it even helps if I want to budget for let’s say shopping. I love it. Please note I am a premium user & to me it’s worth it. But I’m sure the free version is equally as good. The other apps mint, your bank, random ones only work if you have a goal. But for me, I want to know where, what & compare my spendings month over month so I can see how I’m doing. Or if I need to stop spending! Anyway highly recommend. And two last things- 1) they’re IT or support literally responds within 48 hours. You’re never left hanging and no question is stupid. 2) the app is constantly evolving. It’s not the same as it was two years ago, it’s better! If there’s a bug, report it! If you have a suggestion, suggest it! I love all the latest updates & it really helps me think of how I’m spending my money which was my ultimate goal. Thank you!!
Developer Response 03/02/2021
Hi there! Thank you so much for your love! Your review inspires our team to grow and become one of the best budgeting apps. Please, reach out anytime at support@pocketguard.com if you'd like to share any thoughts or have any questions about the app. Have a wonderful day.
Best on Appstore IMHO
Mar 21

Sofifi1234
In my humble opinion this is the best free Budgeting App on the Appstore, as I have tried basically all of the other popular free budgeting apps available. I specifically appreciate the bank account sync feature which not only syncs with my bank but also syncs my Checking, Savings, and Credit Accounts (it is a day behind in terms of sync updating but that is not an issue for me). I also appreciate the separate management of bills/utilities/subscriptions, income, transfers between accounts, and other transactions. The transaction sorting and tagging are very easy to use and actually help with tracking transaction and money flow. The Insights page which provides a pie chart of spending based on your chosen budget categories as well as a line chart that tracks spending over the course of the month are extremely useful when comparing spending month-to-month and across categories. The one thing I would suggest as others have mentioned in their reviews is being able to edit budgets/transactions from previous and future months. But with that being said I do very much like having the dashboard, budget, and insight views being geared toward only showing one month’s information, being the month you are currently in. I highly recommend this app.

Developer Response
Hi there! Wow, thank you for such a detailed and thoughtful review! We're thrilled PocketGuard is hitting the mark across so many features. And great news: your suggestion about editing budgets from previous and future months has already been passed on to our development team. Stay tuned!
Best on Appstore IMHO
Mar 21

Sofifi1234

In my humble opinion this is the best free Budgeting App on the Appstore, as I have tried basically all of the other popular free budgeting apps available. I specifically appreciate the bank account sync feature which not only syncs with my bank but also syncs my Checking, Savings, and Credit Accounts (it is a day behind in terms of sync updating but that is not an issue for me). I also appreciate the separate management of bills/utilities/subscriptions, income, transfers between accounts, and other transactions. The transaction sorting and tagging are very easy to use and actually help with tracking transaction and money flow. The Insights page which provides a pie chart of spending based on your chosen budget categories as well as a line chart that tracks spending over the course of the month are extremely useful when comparing spending month-to-month and across categories. The one thing I would suggest as others have mentioned in their reviews is being able to edit budgets/transactions from previous and future months. But with that being said I do very much like having the dashboard, budget, and insight views being geared toward only showing one month’s information, being the month you are currently in. I highly recommend this app.
Developer Response Mar 24
Hi there! Wow, thank you for such a detailed and thoughtful review! We're thrilled PocketGuard is hitting the mark across so many features. And great news: your suggestion about editing budgets from previous and future months has already been passed on to our development team. Stay tuned!
Could use more features but it's the best I've found so far
01/08/2025

HonestlyVala
Works way more simple than rocket money, ynab, etc. does and I have TWO jobs which means, have you guessed it? TWO sources of regular income. the biggest reason I got rid of the other budgeting apps I tried out was because you couldn’t have more than one scheduled repeatable income source, which means my projected weekly budgets were not correct and I had to mentally remember to add the income from my other job to every budget because inevitably all the budgets would end up projecting negative amounts in them because half of my income was missing. it’s nice that this app lets me have both of my jobs. However there are two issues I have with this app:1. this app doesn't have a calendar function. I really like when the budgeting apps have a calendar built into the app so you can open it and visually see what your bills are going to be for that week with your projected income to see if you'll have enough money. A basic check list of my upcoming bills is about as useful as me writing out a list of my upcoming bills on paper which obviously didn’t help me much or I wouldn’t have bothered downloading an app.2. There’s not an option for a light theme. I cannot stand dark themes, I personally find them annoying and difficult to read because I keep my screen brightness down fairly low to avoid eye strain and conserve battery making it irritating to try and navigate around a dim black phone screen.

Developer Response
Hi there, thank you so much for sharing your experience! It’s great to know the app is simplifying your budgeting process, especially with multiple income sources. Regarding your suggestions, we hear you loud and clear. While we can’t promise an immediate update, your feedback is shared with our development team. Please don’t hesitate to let us know if there’s anything else we can improve. We’re here to help you achieve your budgeting goals!
Could use more features but it's the best I've found so far
01/08/2025

HonestlyVala

Works way more simple than rocket money, ynab, etc. does and I have TWO jobs which means, have you guessed it? TWO sources of regular income. the biggest reason I got rid of the other budgeting apps I tried out was because you couldn’t have more than one scheduled repeatable income source, which means my projected weekly budgets were not correct and I had to mentally remember to add the income from my other job to every budget because inevitably all the budgets would end up projecting negative amounts in them because half of my income was missing. it’s nice that this app lets me have both of my jobs. However there are two issues I have with this app:1. this app doesn't have a calendar function. I really like when the budgeting apps have a calendar built into the app so you can open it and visually see what your bills are going to be for that week with your projected income to see if you'll have enough money. A basic check list of my upcoming bills is about as useful as me writing out a list of my upcoming bills on paper which obviously didn’t help me much or I wouldn’t have bothered downloading an app.2. There’s not an option for a light theme. I cannot stand dark themes, I personally find them annoying and difficult to read because I keep my screen brightness down fairly low to avoid eye strain and conserve battery making it irritating to try and navigate around a dim black phone screen.
Developer Response 01/11/2025
Hi there, thank you so much for sharing your experience! It’s great to know the app is simplifying your budgeting process, especially with multiple income sources. Regarding your suggestions, we hear you loud and clear. While we can’t promise an immediate update, your feedback is shared with our development team. Please don’t hesitate to let us know if there’s anything else we can improve. We’re here to help you achieve your budgeting goals!
Useful for month-to-month budgeting, but not much else
06/07/2025

The Kitchen Crew
I switched to PocketGuard after Mint closed down, and had high hopes for the app. Indeed their basic month-to-month budgeting tools function well, can be automated to a decent extent, and provide useful insights about where you are in the month. The two issues that have caused me to stop using the app are as follows: 1) While their institutional syncing works well on the whole, if you do have an issue it puts all of your past transactions - all the work you did to categorize and name them - in jeopardy. For example, when my credit card number was switched due to fraud, it created a duplicate account and the “old” account lost all of its categorizing and naming data which I had worked on over the months. This happened again with a separate syncing problem. Which leads to my second issue… 2) The retrospective analytics are not very robust to begin with - you cannot “slice and dice” your data to the extent you could with Mint or other services - but that becomes a moot point when your data is often being reset in the first place. For myself, half the point of using an app like this is to have analytics to look back on, discover trends, and answer specific questions (eg how much did I spend on rent back in 2022?). Without great analytics to begin with, and without faith that my data would be preserved over time, the app only becomes useful for month-to-month, in the moment budgeting. Which, as I mentioned above, it does excel at to a fair degree.
Useful for month-to-month budgeting, but not much else
06/07/2025

The Kitchen Crew

I switched to PocketGuard after Mint closed down, and had high hopes for the app. Indeed their basic month-to-month budgeting tools function well, can be automated to a decent extent, and provide useful insights about where you are in the month. The two issues that have caused me to stop using the app are as follows: 1) While their institutional syncing works well on the whole, if you do have an issue it puts all of your past transactions - all the work you did to categorize and name them - in jeopardy. For example, when my credit card number was switched due to fraud, it created a duplicate account and the “old” account lost all of its categorizing and naming data which I had worked on over the months. This happened again with a separate syncing problem. Which leads to my second issue… 2) The retrospective analytics are not very robust to begin with - you cannot “slice and dice” your data to the extent you could with Mint or other services - but that becomes a moot point when your data is often being reset in the first place. For myself, half the point of using an app like this is to have analytics to look back on, discover trends, and answer specific questions (eg how much did I spend on rent back in 2022?). Without great analytics to begin with, and without faith that my data would be preserved over time, the app only becomes useful for month-to-month, in the moment budgeting. Which, as I mentioned above, it does excel at to a fair degree.

• 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!

Version 5.19.3 May 11

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: PocketGuard, Inc.
Size: 154.9 MB
Category: Finance
Compatibility: Requires iOS 16.0 or later.

iPhone
Requires iOS 16.0 or later.

Apple Watch
Requires watchOS 4.0 or later.
Languages: English
Age Rating: 4+

4+

Learn More
In-App Purchases: Yes

Yearly Subscription $74.99

Monthly subscription $7.99

PocketGuard Plus $4.99

Monthly Subscriptions $12.99

Weekly offer with 7 day trial $2.99

Monthly subscription $4.99

PocketGuard Plus $34.99

PocketGuard Plus $4.99

PocketGuard Plus $4.99

Monthly Subscription $12.99

Learn More

Developer Website

Privacy Policy

Supports

Wallet

The simplest way to get all your passes in one place.

You Might Also Like

View

Goodbudget Budget Planner

Money & Expense Tracker
View

Easy Invoice Maker App by Moon

Estimate And Simple Invoices
View

YNAB

Never worry about money again
View

Quicken: Intelligent Money

Personal & Business Finances
View

Weekly: Budget Planner App

Spending & Money Goal Tracker
View

Buddy: Budget Planner App

Money Manager & Tracker
View

Honeydue: Couples Finance

Manage your money together
View

Copilot: Track & Budget Money

Spending, investing, net worth
View

Budget app - spending tracker

Budget planner & money tracker
View

Expense & Budget App: Spendee

Money Tracker & Planner

PocketGuard – Budgeting App

Events

30-Day Budget Pace Challenge

Ratings & Reviews

Going on 2+ years: you will not regret

Best on Appstore IMHO

Could use more features but it's the best I've found so far

Useful for month-to-month budgeting, but not much else

What’s New

App Privacy

Data Used to Track You

Data Linked to You

Accessibility

Information

Supports

Wallet

You Might Also Like

Goodbudget Budget Planner

Easy Invoice Maker App by Moon

YNAB

Quicken: Intelligent Money

Weekly: Budget Planner App

Buddy: Budget Planner App

Honeydue: Couples Finance

Copilot: Track & Budget Money

Budget app - spending tracker

Expense & Budget App: Spendee