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/.
This is definitely the one. Especially if you are in Canada. I bought the one payment method for premium and now I don’t have to worry. It does what Mint did and more. You can also import your Mint data. This one’s for me.
Developer Response
Hi there! Thanks for your positive feedback! Is there something we can do to get 5 stars? Please let us know at support@pocketguard.com.
Big bank centric
Julio__G
Some of my banks are supported; mostly the big ones. But the smaller or online banks are not. The app is pointless if you can’t link all of your accounts. Please offer linking to more credit unions and online savings banks.
Missing some key institutions
Alphiex12
Please add support for Questrade.
Doesn’t work
xDexteriousx
Despite being listed as an approved institution, the bank was unable to synchronize with the app. Additionally, I encountered difficulties in changing the Authenticator to Plaid, as outlined in their FAQs. The customer service response was extremely delayed, and the trial period concluded before the app demonstrated functionality. Overall, the experience was highly unsatisfactory and resulted in a significant waste of time. To the developers, if you are confident in the product’s capabilities, it would be prudent to extend the trial period to allow for a thorough evaluation, particularly considering the nature of the budgeting app, which typically requires a month to complete a full cycle.
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