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PocketGuard - Budget App

PocketGuard - Budget App

Plan Budget, Track spending

7.7K ratings
355 reviews
With Ads#54 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

Released
January 7, 2015
Updated
November 5, 2026

Features

Developer

PocketGuard, Inc.
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PocketGuard - Budget App screenshot #1 for iPhone
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PocketGuard - Budget App screenshot #8 for iPhone
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About

This app helps you plan your budget, track expenses, and manage bills to know exactly what's safe to spend. It offers personalized debt payoff plans and identifies forgotten subscriptions. Securely connect your bank accounts for automatic transaction categorization and insights.

✓Budget planning
✓Expense tracking
✓Bill management
✓Debt payoff plans
✓Subscription management
✓Spending prediction
✓Automatic transaction categorization
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What users say about PocketGuard

Reviews of PocketGuard are mixed: the Finance app is rated 4.6/5 from 7.7K App Store ratings. What users like most: efficient app that helps track spending, customizable budgeting categories. Top complaints: recurring issues with bank account syncing, security concerns with 2FA/MFA requirements. Summarized from real user reviews.

Positive things

  • 🚀Efficient app that helps track spending
  • 👍Customizable budgeting categories
  • 🚀Real-time transaction updates
  • 👍Intuitive and user-friendly interface
  • 🚀Helpful for getting finances under control
  • 👍Responsive customer support

Negative things

  • 🐛Recurring issues with bank account syncing
  • 🔒Security concerns with 2FA/MFA requirements
  • 🚫Lack of support for certain banks/credit cards
  • 💰Expensive subscription model
  • 🐛Buggy app performance and frequent crashes
  • 🤔Confusing budgeting features and layout
See all reviews
+1

What's New in PocketGuard

5.20.7

November 5, 2026

Insights now gives you a deeper look at where your money goes - and what’s driving your spending. • Get the full picture at a glance with the new Donut Chart, then tap any segment to explore the details. • Explore Subscriptions, Goals, and Debt Payoff for a deeper understanding of where your money goes and how it supports your financial priorities. • See how your spending breaks down with % of total, making it easier to spot what has the biggest impact. More ways to explore. More context behind the numbers. A deeper understanding of your money. Plus, performance improvements and bug fixes. PocketGuard - the budget app that always delivers what matters to your budgeting.

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1

Subscriptions & In-App Purchases

PocketGuard Plus

Create custom categories, track cash and more

$4.991 Month
How to cancel PocketGuard subscription ⁉️

Charts

Top Grossing

📉 54-3

Finance

This app dropped -3 positions in Finance chart.

Last updated on November 10, 2026.

Events

Read more about New Spending Insights
Event EndedMajor Update

New Spending Insights

Turn spending data into clear insights.

Aug 15, 2026 — Sep 14, 2026

Read More

Read more about 30-Day Budget Pace Challenge
Event EndedChallenge

30-Day Budget Pace Challenge

Stay on track with your spending for 30 days

May 27, 2026 — Jun 26, 2026

Read More

Read more about Stay on Pace With Your Budget
Event EndedMajor Update

Stay on Pace With Your Budget

Track spending daily and avoid overspending

Mar 26, 2026 — Apr 8, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Nice bill tracker

Using this app like a bill tracker. Helps me see what is coming before it hits my account. Category management is strong, especially after applying rules for automatic categorization.
PPenni_Esmeraldaf

Response from developer

Thank you for your positive feedback! We're glad to hear that PocketGuard helps you stay on top of your bills and that you're enjoying our categorization features. We truly appreciate your support and are happy to have you with us!

Nice

PocketGuard is a budgeting app that I can actually use on a regular basis. It did take me a little while to get the hang of it, but once I did, everything changed. I really like how this app helps me see my biggest and most frequent expenses.
KNKaterine Nestor

Response from developer

Hi there, Thank you so much for your kind words and 5-star review! We're glad to hear that PocketGuard has become a useful part of your budgeting routine and helps you better understand your spending. We truly appreciate your support and feedback!

Data sync is highly unreliable

The tools available within this app are great, however, without reliable data sync with my bank, the tools are useless.

I pay for this app, but have been able to rely on it very little. First it was an RBC sync issue, and once that finally got resolved (I think), now it’s BMO. The response from support is always the same:

“This is a known issue and our data provider's engineers are actively working on a resolution. I have also submitted your case to their team for further investigation.

Unfortunately, we don't have an estimated timeline for the fix just yet, but we will make sure to keep you updated as soon as there is any progress.”

I’m becoming increasingly impatient and very disappointed that this is what I’m paying for.
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TTrevor1887

Response from developer

Hi there, We're truly sorry for your disappointing experience with PocketGuard. Unfortunately, not everything is within our or our data provider's control. We've recently learned that BMO has lost its certification for third-party data connections, meaning data aggregation is currently unavailable. We understand how frustrating this is, especially when you're paying for a service you can't fully use. We sincerely apologize for the inconvenience.

Charged me again even tho I cancelled my subscription

Started a free trial to see if the app would be beneficial for me. Did not find it super useful (though the app itself is fine, I prefer to track my spending etc manually via spreadsheets and other tools). Cancelled the trial (have proof of this) I was still charged for a years subscription. To their credit, they refunded it, but I can’t help but wonder how many other people have paid a yearly subscription without knowing, and despite cancelling.
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HHerepsoaaoskskssksk

Response from developer

Hi there, We're sorry for the confusion and frustration. To clarify, you deleted your PocketGuard account, but your subscription was not canceled. Deleting an account does not automatically cancel an active subscription. During the account deletion process, we remind users to make sure their subscription has been canceled to avoid any future charges. We sincerely apologize for the inconvenience and appreciate your understanding.

CIBC Sync Still Broken

CIBC has been listed as having sync issues since September 3, and it’s still not fixed as of October 16. Very frustrating.
NHNima H.

Response from developer

Hi there, We're truly sorry for the prolonged CIBC syncing issues. We understand how frustrating it is to be unable to rely on your bank connection for so long. Our data provider is aware of the issue and continues working toward a resolution. We sincerely apologize for the inconvenience and appreciate your patience and understanding.

See 350 more reviews

User experience

🐞

Reported Bugs

3 issues

Inconsistent transaction syncing and labeling

Bug

Inability to delete or manage connected accounts

Bug

Budgeting data disappearing or not updating properly

Bug
✨

Requested Features

5 requests

Ability to carry over unspent budget to next month

Feature

More advanced reporting and analytics

Feature

Light/dark mode theme options

Feature

Improved transaction categorization and learning

Feature

Support for multiple users/family budgeting

Feature

FAQ

Does PocketGuard have ads?

Yes, PocketGuard contains advertisements. As a free app with in-app purchases, advertisements are part of its monetization model.

What budgeting methods does PocketGuard support?

PocketGuard supports various budgeting methods including zero-based budgeting, envelope budgeting, the 50/30/20 rule, and allows users to build their own custom budgeting system.

How does PocketGuard ensure security?

PocketGuard utilizes bank-level security with 256-bit SSL encryption, biometric login options like Touch ID and Face ID, and PIN codes to protect user data.

What are the subscription options for PocketGuard?

PocketGuard offers monthly subscriptions at $4.99/month, with additional options like PocketGuard Plus also priced at $4.99/month. Weekly offers with a 7-day free trial are also available.

How often is PocketGuard updated?

The app was last updated on November 5, 2026, with version 5.20.7. This indicates a relatively frequent update schedule for the application.

What devices is PocketGuard available on?

PocketGuard is available on Apple Watch and iPhone, as indicated by the supported devices list.

What is the age rating for PocketGuard?

PocketGuard has an age rating of 4+, making it suitable for a wide range of users.

What do users like and dislike about PocketGuard?

Users appreciate its efficient spending tracking, customizable categories, and intuitive interface. However, some users report recurring issues with bank account syncing and find the subscription model expensive.