PocketGuard・Money&Bill Tracker 4+

Expense & Subscription Manager

PocketGuard, Inc.

    • 4.6 • 7K Ratings
    • Free
    • Offers In-App Purchases


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 "IN MY POCKET" 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!

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

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/

What’s New

Version 5.6.1

* Updated category details design
* Updated bar charts design
* Added AI support agent - Quantra
* Added Billing on mobile to manage subscriptions
* Updated Contact Support form
* Other improvements and overall app speed fixes

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!

Ratings and Reviews

4.6 out of 5
7K Ratings

7K 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 support@pocketguard.com if you'd like to share any thoughts or have any questions about the app. Have a wonderful day.

c.lake ,

The best budgeting app

I’ve literally never written a review for an app before, but I had to because I felt so strongly about the quality of this app. I used mint for a long time bc it was free and got the job done, but recently, Mint stopped supporting my bank (USAA). So, I was on the market for a new budgeting app and stumbled upon PocketGuard. I have to say, I’m extremely impressed. I love the ability to save for my goals without having to think about it. I love how it calculates my estimated monthly income so that I don’t have to do the mental math when it comes to budgeting. I love the notifications it gives me when I spend too much on a particular category. I love the customizable budget categories (not an option under Mint). This is truly the greatest budgeting app I’ve ever used, and I’ve been budgeting my money very persistently for about a decade now. Also, the customer service is probably the best I’ve ever come into contact with, across any business or platform. You have a question? Email them and you’ll get a response back within 24 hours. In fact I emailed them once with a question and received a response back within 30 minutes. Overall, this is a fantastic budgeting app and I couldn’t recommend it more.

Developer Response ,

Hi there! Thank you for the fantastic review! Our team is pleased to hear you enjoy using our application for your budgeting needs. Feel free to contact us at support@pocketguard.com if you have any suggestions or questions. Have a great day!

tropicdream ,

Best Financial App I’ve Used

I’ve tried 5 or 6 apps over the years. PocketGuard is the best. I like that I can just assess daily spending, not investments. It is easy enough to use that I do use it, and catching up is easy if I get behind. The team responds to questions quickly and have always answered my questions. There is one merchant that entries frequently default to, even when they are repeated expenditures that PocketGuard should have learned by now. I would like to see a yearly view of my spending categories in addition to monthly; hopefully that is planned. One small thing I would like is to see a number for total food (groceries and eating out combined) somewhere. I am always tracking that, as it’s the most important area to control. I really like the split transaction feature they added. Overall, PocketGuard has made a dramatic difference in understanding my spending and controlling it. I think I’ve used it for 4 years now and that’s a record for any financial app except Excel or a brokerage site.

Developer Response ,

Hi there! Thanks for your feedback. Please, contact us at support@pocketguard.com and specify the name of the financial institution where your checking account keeps disconnecting. Also, it would be extremely helpful if you could send us the merchant name and the categorization rule applied to this merchant, so we could investigate the issue further. Hope for your understanding.

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

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