PocketGuard is a free app that makes it easy to take control of your personal finance and stop overspending. Its intuitive money management tools help you make a budget and track spending automatically.

Link your bank accounts & credit cards and track everything from account balances & transactions to net worth and more in one place.

Our IN MY POCKET feature shows exactly how much disposable income you have after paying your bills, saving for your goals, and setting aside enough money for essentials, like food & transportation. It does the "can I buy it?" math for you, so you can spend with confidence and enjoy life.

PocketGuard will help you to find out where your money goes and analyze your spending habits. See which expenses eat up too much of the pie. Personalize your reports with custom categories and hashtags.

Add your bills and subscriptions to PocketGuard and it will automatically plan for future payments. Our smart bill reminders will help you never miss the due date again. And our smart algorithms will identify where you might be overpaying and offer easy ways to lower your bills.

PocketGuard will help you to find subscriptions you might have forgotten about. This feature works automatically, so you need to do nothing to make it work. PocketGuard notifies you when such subscriptions are detected.

Like the journey of a thousand miles begins with a single step, building up savings begins with setting your goals. PocketGuard allows you to set an unlimited number of goals and track your progress.

You can't move forward if you have to look back. To pay off your debts you need a plan and discipline. We can help you with the first one. Connect all your credit and loan accounts to calculate the optimal debt payoff strategy and stick to it. This is the only way to become debt-free.

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 code and biometrics, like Touch ID & Face ID, as an additional security layer.


Currently, PocketGuard connects to U.S. and Canadian financial institutions only.


PocketGuard offers a premium subscription - PocketGuard Plus - which gives you access to additional features. PocketGuard Plus is optional and not required to use PocketGuard.

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 (example: switch from trial to annual subscription).

PocketGuard Plus subscription lengths and prices:
- Monthly - $7.99* / month
- Annual - $79.99* / year
- Lifetime - $99.99* one-time purchase

* Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice.


Privacy Policy:
Terms of Use:

What’s New

Version 4.20.1

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

Ratings and Reviews

4.7 out of 5
6.4K Ratings

6.4K Ratings

LiveLiv14 ,

Going on 2+ years: you will not regret

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 if you'd like to share any thoughts or have any questions about the app. Have a wonderful day.

Kimber-Hoy ,

Great assistant in managing your finances

Every transaction is placed into a specific category (in 9/10 cases it's accurate) so you have a great insight on how much you have spent on coffee shops and books, on clothing and sports etc. Having the full picture will help you to understand how do your spending habits look like now and how do you need to change them. To be honest, it was difficult to stay on budget even after a couple of months of using the app. I was really shocked when having seen my 'in my pocket' negative a week before the next month starts. I couldn't believe I'd overspent with my credit card so much... PocketGuard won't change your life, only you can do it. But this app is a great assistant which definitely makes this change go easier.

TimW.Evans ,

Great app...but Always broken.

I love pocketguard, but too frequently there are errors that make it impossible to use. I get the same Error 940 "Puppetmaster" error all the time which prevents the app from connecting with my bank. It will sometimes work for a day or two then be in error again for week or so after. Customer support didn't really even respond to my e-mail, just an automated response asking for more details when I literally sent them a screen shot, and it's their own error message. I was considering buying pro, because when it works it's awesome and has literally helped me prevent overdrafts and stick to a budget but it doesn't really work very often. Aside from the broken bits, my recommendation would be the ability to select a date and see how much will be needed for bills in that time frame. It currently only shows end of month, but I always end up needing to bust out paper and pencil and manually (navigating away from the app logs out, so can't even use the calculator app at the same time) add figures to see what I need by next payday, as opposed to month.

App Privacy

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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