PocketGuard - Budget App

PocketGuard - Budget App

Plan Budget, Track spending

7.7K ratings
341 reviews
With Ads#69 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • January 7, 2015
  • September 29, 2026

Features

PocketGuard - Budget App screenshot #1 for iPhone
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PocketGuard - Budget App screenshot #3 for iPhone
PocketGuard - Budget App screenshot #4 for iPhone
PocketGuard - Budget App screenshot #5 for iPhone
PocketGuard - Budget App screenshot #6 for iPhone
PocketGuard - Budget App screenshot #7 for iPhone
PocketGuard - Budget App screenshot #8 for iPhone
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About

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

✓Automatic expense tracking
✓Bill and subscription monitoring
✓Disposable income calculation
✓Spending habit analysis
✓Financial goal setting
✓Debt-payoff plan creation
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What users say

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+1

What's New in PocketGuard

5.20.4

September 29, 2026

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.

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1

Subscriptions & In-App Purchases

PocketGuard Plus

Unlimited budgets, goals, categories & more

$24.991 Year
7 Days trial
How to cancel PocketGuard subscription ⁉️

Charts

Top Grossing

📉 69-4

Finance

This app dropped -4 positions in Finance chart.

Last updated on October 1, 2026.

Events

Read more about New Spending Insights

New Spending Insights

Turn spending data into clear insights.

Aug 15, 2026 — Sep 14, 2026

Read more about 30-Day Budget Pace Challenge

30-Day Budget Pace Challenge

Stay on track with your spending for 30 days

May 27, 2026 — Jun 26, 2026

Read more about Stay on Pace With Your Budget

Stay on Pace With Your Budget

Track spending daily and avoid overspending

Mar 26, 2026 — Apr 8, 2026

User reviews

Good when it syncs

I’ve enjoyed using this app for several years (after Mint shuttered). It’s how I budget and track spending. There were occasional issues with syncing but they always resolved within a day. However, I’ve now been unable to sync my BMO account since Aug 21 and my TD account since Aug 26. I reached out to the app developer and learned it’s a known issue with the banks that they’re working to resolve. I find it frustrating that the app developer didn’t reach out to affected users to let us know. If it’s a known issue impacting your users, shouldn’t you reach out to them? Shouldn’t you be sending out regular updates? How about putting something in the help and support section? Will they be issuing a credit for the downtime? I’m sympathetic to the fact it’s a bank issue and they’re working hard to fix it, but some communication would go a long way to help frustrated users.
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Response from developer

Hi Veggie, We’re very sorry that this has been your experience, especially after using PocketGuard for several years. Your point about communication is absolutely valid. If we’re aware of an issue affecting a group of users, we understand how helpful it would be to provide clearer and more proactive updates instead of leaving users to discover the issue on their own. We really appreciate you calling this out, and we’ll discuss this feedback with our team to see how we can improve communication around known connectivity issues and ongoing incidents. Regarding compensation or a possible account credit for the downtime, please reach out to our support team directly. We’ll be happy to review your specific case and see what we can do for you. Thank you for your patience and for taking the time to share such detailed feedback.

Good when it syncs otherwise useless

I’ve used this app for years and, when it works, I believe it’s one of the best financial apps out there. Unfortunately, its value depends entirely on being able to sync with your financial institution.

It has been unable to sync with BMO for about a month now, with no clear resolution or timeline in sight. At this point, I’ll be cancelling my subscription and requesting a refund.

In my opinion, the app should not be listed as a viable option for BMO customers when the service has been unable to sync for this long. I’m disappointed because I’ve been a long-time user and have otherwise been very happy with the app.

Sorry, guys, but this needs to be resolved.
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Response from developer

Hi there, We’re very sorry this situation has affected your experience, especially after using PocketGuard for so long. Unfortunately, not everything related to bank connectivity is fully within our control. Our data provider is working on the BMO connection, but the issue was triggered by changes on the bank’s side that affected the integration. As a workaround, you can try connecting your BMO accounts through Plaid, which may provide a more stable connection. We hope your experience with PocketGuard improves and that we can provide a more reliable connection for you going forward.

Used to work, doesnt anymore

Connections stopped working with my main bank, bmo, with no updates from customer service. Worked well for a year then one day stopped with no explanations.

Response from developer

Hi there, BMO recently made some changes to their integration, and our data provider is currently working to resolve the connection issue. This is affecting all users with BMO connections at the moment. We’re waiting for further updates from the provider, and we’ll let you know as soon as we receive any new information. We’re very sorry for the inconvenience and appreciate your patience.

Refreshing accounts

I used this app for the last year and really liked it, but the last couple months neither my CIBC or RBC accounts will refresh. I reached out to pocket guard and they said it is a bank issue, but I haven’t been able to figure out what the issue really is. The app doesn’t work very well for my planning when I can’t refresh my bank accounts
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Response from developer

Hi there, We’re very sorry for the frustrating experience. Regarding CIBC, there are currently known connection issues with this bank, and our data provider does not have a stable connection with these accounts at the moment. For RBC, please try reconnecting the account using a different data provider. If you run into any issues or need help with the reconnection, please contact us again at support@pocketguard.com and we’ll be happy to assist.

I used to love it

Honestly I’m so sick of the updates. Every time I log in there’s an update, which is fine except it cancels connection to my banks and then it takes me forever to reconnect . And even after the reconnect the data isn’t updated so now I’ve invested hours into something that should make my life easier but is inoperable. All my data is incorrect, everything I’ve paid can’t find, all my income not tracked. I’m bummed because it didn’t used to have these issues. But now every month I remember I’m annoyed by this app because it doesn’t work when I need it.
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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

What does PocketGuard do?

PocketGuard is a personal finance app designed to simplify budgeting and money management. It automatically tracks your expenses, monitors bills and subscriptions, and calculates your safe-to-spend amount. The app also helps you set financial goals and create debt-payoff plans.

What are the key features of PocketGuard?

Key features include automatic expense tracking, bill and subscription monitoring, a 'Leftover' feature to show disposable income, comprehensive spending analytics, financial goal setting, and a debt-payoff plan creator. It also offers bank-level security.

Is PocketGuard free to use?

The app is free to download and use with in-app purchases available. This means you can access core budgeting and tracking features for free, with optional premium features or services available for purchase.

What kind of financial goals can I set?

You can set various financial goals, such as spending less on specific categories like shopping or saving more for future events like a vacation. The app provides tools to help you set these goals properly and track your progress towards achieving them.

How does PocketGuard help with debt?

PocketGuard helps you create a debt-payoff plan by connecting your credit and loan accounts. Its smart algorithm calculates the most profitable strategy for debt repayment, aiming to save you money on interest and guide you towards a debt-free future.