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PocketGuard - Budget App

PocketGuard - Budget App

Plan Budget, Track spending

7.7K ratings
353 reviews
With Ads#48 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

Released
January 7, 2015
Updated
October 27, 2026

Features

Developer

PocketGuard, Inc.
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🧾$79.99
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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
Show original description

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

5.20.6

October 27, 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

Unlimited budgets, goals, categories & more

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

Charts

Top Grossing

📈 48+6

Finance

This app rose +6 positions in Finance chart.

Last updated on November 1, 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

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.

New Ai functionality means no functionality

I am a lifetime subscriber. I wish I could get my money back. The company turned itself over to AI. The new reports are nonsensical. The links stopped working with my credit card company so now I get no data. The help feature scrolls at superhuman speed and then declares the issue resolved when it is not. What a waste.
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RHReal disappointed human
See 348 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

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.