PocketGuard is an award-winning Budget App, Spending Tracker & Money Manager trusted by 1.7M+ users. Plan your budget, track expenses, manage bills, and know what’s safe to spend.
RECOGNIZED AMONG THE BEST BUDGET APPS OF 2026
• Forbes Advisor — Best for Managing Recurring Expenses
• Kiplinger — Best for Debt Management
• NerdWallet — Featured among The Best Budget Apps for 2026
• Experian & Investopedia — Featured among the Best Budgeting Apps of 2026
“PocketGuard is the best budgeting app for tracking spending. PocketGuard makes it easy for users to analyze their spending habits through custom reports and allows them to create a fully customized budget and a personalized debt payoff schedule.”— Forbes
Always Know What's in Your Pocket
• Track all your income and expenses
• Safe-to-spend amount after bills, goals, and essentials
• How much you can safely contribute, save, invest
Budgeting Features
• Custom categories
• Budget limits
• Overspending prevention
• Rollover budgets
• Spending Prediction
Spending Pace — Predict Your Spending
Spending Pace analyzes your spending habits to predict whether you’ll stay on budget before the month ends.
Choose your budgeting method
• Zero-based budgeting
• Envelope budgeting
• 50/30/20 budget rule
• Build your own custom budgeting system.
Smart Transaction Rules — Automatic Expense Categorization
• Detect merchant names, keywords, amounts, categories, and accounts
• Rename merchants, fix categories, and add hashtags for tracking
• Apply rules to every new transaction
Spending Insight & Monthly Budget Review
• Visual spending reports
• Categories, budgets, bills and merchant breakdowns
• Month-to-month budget
• Spending trend analysis
Bills organizer and Subscription manager
Connect your bank and PocketGuard automatically identifies bills, subscriptions, and recurring payments.
• Never miss a due date
• Spot and cancel forgotten subscriptions
• Lower bills using a built-in bill negotiation service
Build Your Debt-Payoff Plan
PocketGuard builds a personalized debt payoff plan based on your balances and repayment strategy, helping you reduce interest costs, see your debt-free date, and track every payment along the way.
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.
FAQ
You need a budget to track every dollar?
PocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge, Apple Wallet), automatically categorizes transactions, identifies bills and subscriptions, and calculates leftover which you can contribute to any budgeting category or spend guilt-free, setup a goal, save or invest.
Which budgeting methods are supported?
PocketGuard is a category budgeting but the app lets you budget your way. Use zero-based budgeting, envelope budgeting, the 50/30/20 rule, or create your own custom budget — without being locked into one budgeting method.
Who is PocketGuard best for?
Anyone who wants to plan a budget, track spending, stop overspending, pay off debt, manage subscriptions or build savings.
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 Budget App 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 add transactions manually or manage cash accounts.
PocketGuard Plus Subscription
Start a 7-day free trial and 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/.
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.
Best on Appstore IMHO
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!
Could use more features but it's the best I've found so far
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!
Useful for month-to-month budgeting, but not much else
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.
We've introduced Financial Wellness, a new feature designed to help you better understand your spending.
• Discover how your daily routine may relate to your spending.
• Uncover meaningful trends over time.
• Better understand the way you spend.
• Private and secure.
Plus, we've made performance improvements and fixed bugs to make PocketGuard even better.
Version 5.20.5
The developer, PocketGuard, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
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
The developer has not yet indicated which accessibility features this app supports. Learn More
