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.
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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Charged me for a subscription i didn’t ask for
I downloaded the app, tried it out for free, let it look at my spending, then deleted it 10 minutes later. I never requested a subscription because I was comparing apps. Later, while reviewing my finances, I saw a charge for the app after I had deleted it, so I had to download it again, but it said I have no active subscription. The AI chat support said to simply request a refund from Apple, but I shouldn’t have to do that for a faulty charge.This seems very sketchy.then answered my review stating that i probably did a free trial and forgot to cancel. If that were true then there woukd ve an active subscription. The apo says no active subscription and i know that i did not do a free trial. It was not worth a free trail just from looking around the app for a few minutes. Im not askinf for a refund because it was just $12. I am warning other users not to put their bank info in this app. I see many other 1 star reviews saying the same thing so its not an isolated incident.
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Sync Reliability Lacking
The app is fantastic for budgeting; however, I’ve had recurring sync issues with my financial institutions. Sometimes the app fails for sync for weeks at a time, which prevents me from properly tracking my expenses. The team unfortunately never advises customers that they are having issues, so in the meantime you’re trying various fixes until you contact support and they tell you what’s happening.
One issue that I have is that if you delete a financial institution, it also deletes all previous transactions associated with it. You don’t have the option to keep previous transactions. So, if you ever change banks or if you need to delete and reconnect a bank (due to sync issues), you lose everything and have to redo it manually. So, for long term budget tracking and planning, this app is less than ideal cuz you cannot retain reliable data over a number of months without the system somehow screwing up.
One issue that I have is that if you delete a financial institution, it also deletes all previous transactions associated with it. You don’t have the option to keep previous transactions. So, if you ever change banks or if you need to delete and reconnect a bank (due to sync issues), you lose everything and have to redo it manually. So, for long term budget tracking and planning, this app is less than ideal cuz you cannot retain reliable data over a number of months without the system somehow screwing up.
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Response from developer
Hi there, Thank you for your feedback. You’re correct that deleting a linked financial institution also removes the transaction history associated with that connection. As a workaround, you can export those transactions first and then import them into a cash account. After that, you can safely remove the bank connection while keeping the imported transaction history in PocketGuard. Regarding bank syncing, unfortunately, not everything depends on us, as some financial institutions work less reliably with data aggregation providers than others. We’re continuously working to improve these connections. If your bank is still not syncing properly, please contact us at support@pocketguard.com so we can review the connection and, if necessary, escalate the issue to our data provider.
Great App
PockerGuard is easy to use and a simple way to track expenses
Mind blowing
I’ve found this to be an extremely helpful budgeting and expense tracking app ever since purchasing it a couple years ago. Definitely worth the month. But the most recent update with the Insights tab has actually blown me away! Somehow this visual representation and the ability to slice and dice info in different ways takes this app to a whole new level. Amazing and wonderful. Definitely helpful and worthwhile for anyone who wants insight into their finances.
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The frickin new 5.20.1 update
Let’s go!! Finally, PocketGuard is getting with the times and giving us more analysis tools in the app. I’ve been using this app faithfully for over a year and it’s been sooo simple. Almost too simple. Since I’ve had it, in order to really analyze data I’ve had to export it to excel and make charts and stuff from there. Glad the goons who made this app are figuring out how to code this thing better. Probably with Claude lol. Now just stop locking months when they’re done. If people are too dumb to not mess up their finances after the months over, that’s not your problem. But it’s annoying the heck out of the rest of us. Keep adding cool gadgets, fellas.
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The Decline of an App
I’ve been using this app for the past few years and it has gotten worse with each update. Removing the ability to easily compare spending among categories between the current and past months was the final straw. To make matters worse, the insight section that replaced it is unintuitive and isn’t even completed. Why release an update when 2/3 of the tools aren’t even completed? It’s sad to see a great app slowly decline and become unusable.
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Update makes it unusable
This used to be such an amazing tool. I was easily able to see what I was spending in each category and compare month to month. With the newest update, every time I click on the breakdown of categories, the app forces closes. There’s no way for me to tell what I’m spending in each category. I also can’t compare categories month to month.
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August 2026 update
Huge downgrade in UI. Went from a simple budgeting tool to an over analytical version.
I subscribe to the KISS method. This recent update will make me cancel the subscription and get a different app.
I subscribe to the KISS method. This recent update will make me cancel the subscription and get a different app.
Update Insufficient
The new insight tab is not intuitive. I’ve lost the ability to easily compare expenses month to month. The transactions are not accounting correctly. And only 1/3 of the features are releases. I will have to consider finding a different app to meet my needs
Billing issues
Even when I canceled they keep charging, support is helping
They stale you to keep your money
They are having connection issues with several banks and the app is unusable. They keep you engage for weeks before acknowledging that they are actually facing a problem and they don’t know when it will be solved. At first I didn’t understand why, but when I asked apple for a refund I understood: the refund is prorated! So they try to keep you engaged as much as possible to get more money from you.
Don’t get this. If you already did, contact apple support immediately when you have an issue and request your refund.
My problem was no the sync technical issue, my problem was their support. They are washing their hands saying this is handled directly with apple support, but they took 2 weeks to informed me of that. Let them say it was my responsibility to just know it, it doesn’t change the fact that I was mistreated and staled. Happy to share here how their support team told me “they don’t have a crystal ball” when I asked for deadlines. Really unprofessional.
Don’t get this. If you already did, contact apple support immediately when you have an issue and request your refund.
My problem was no the sync technical issue, my problem was their support. They are washing their hands saying this is handled directly with apple support, but they took 2 weeks to informed me of that. Let them say it was my responsibility to just know it, it doesn’t change the fact that I was mistreated and staled. Happy to share here how their support team told me “they don’t have a crystal ball” when I asked for deadlines. Really unprofessional.
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Response from developer
Hi Еrika, We’re sorry to hear about your experience. Connection issues can sometimes occur when a financial institution changes or restricts the way third-party services can access account data, and unfortunately, their resolution may depend on the bank and our data providers. We want to clarify that we never delay troubleshooting to affect refund eligibility. App Store purchases and refunds are handled directly by Apple under their policies, and PocketGuard does not control refund decisions or eligibility. We understand how important reliable account syncing is for a budgeting app and are sorry that the connection issue affected your experience with PocketGuard.
Inoperable
I’ve had this app since 2021 and used it daily for budgeting. In the last year, the app started by not being able to connect with my credit union anymore. After several weeks, they told me they could no longer support my credit card connected to my bank. I was so committed to this app, I actually moved all my purchases to my AmEx. In the last month, the app stopped communicating with my AmEx. After about 3 weeks, they told me they could no longer support my AmEx. Ok, I get a small credit union, but my AmEx?! I signed up for a different app and bam! Immediately connected to my credit union and AmEx and haven’t had any issues. I had a lifetime membership and they told me to get a refund from Apple. Apple says I’m not eligible. Disappointed all around…
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Love love love!!
Excellent app for managing my finances. Keep the updates coming. I wish the team at PocketGuard all the best and hope they continue to grow. 💗
Execution isn’t good, predictions inaccurate, not worth it
I’m coming from YNAB so I’m a little spoiled. But PocketGuard is cheaper since they have the lifetime subscription, if it wasn’t for that I wouldn’t have gotten it. I’m guessing that’s why they have the lifetime option because it tricks you into thinking you’re getting a good deal when you’re just getting a subpar app.
With YNAB I paid basically $100 a year BUT the goal is to save money, right, so you have to cut spending anywhere you can, UX/UI is a luxury so I ditched YNAB after 10 years with them. I’ve played around with other apps and even excel spreadsheets.
I got this because of all the overselling of the features especially the prediction feature. But I’m mostly just tolerating this app. My biggest gripe is that their big selling point the Plan feature (where you can get an estimate of what will be leftover or how much income/expenses are predicted) only works if your income and bills transactions are precisely the same each month. So if your paychecks are different amounts well then you can’t trust the numbers. Same with your expenses, if your utility bill is going to be up $100 this month well PocketGuard doesn’t know that so good luck making any smart predictions. I used to have an app that went away called Prism and that app actually connected to all your bills so it actually knew exactly what amount they would be. I miss those days. Seems like a small ask: Just tell me the exact amount of my upcoming bills please.
Insights are okay but my banking app already does that with the pie chart of your expenses and stuff. So not a feature I *need* to pay for.
The Rules setting needs UI improvements—it’s not visually friendly to use, it looks like some backend stuff with the if/then statements, nobody wants to think about if/then statements.
Also whatever tool they use the pull in the transactions could use improvement with naming conventions and how it categorizes stuff, I know that’s case by case basis but nobody gets a budgeting projection app wanting to edit every single transaction.
My Amex card always thinks my account is being hacked whenever PocketGuard pulls transactions. Here comes another annoying notification…
Overall I’m underwhelmed and feel like I have no use for this thing aside from the fact that it combines spending across different accounts but I’m thinking about simplifying my life to one or two cards max anyway and at that point this app will definitely be useless to me.
At this point I’m hoping they improve and that lifetime members are grandfathered in, worse case I’m out $140 and sticking to my banking app because it does the same thing for free
With YNAB I paid basically $100 a year BUT the goal is to save money, right, so you have to cut spending anywhere you can, UX/UI is a luxury so I ditched YNAB after 10 years with them. I’ve played around with other apps and even excel spreadsheets.
I got this because of all the overselling of the features especially the prediction feature. But I’m mostly just tolerating this app. My biggest gripe is that their big selling point the Plan feature (where you can get an estimate of what will be leftover or how much income/expenses are predicted) only works if your income and bills transactions are precisely the same each month. So if your paychecks are different amounts well then you can’t trust the numbers. Same with your expenses, if your utility bill is going to be up $100 this month well PocketGuard doesn’t know that so good luck making any smart predictions. I used to have an app that went away called Prism and that app actually connected to all your bills so it actually knew exactly what amount they would be. I miss those days. Seems like a small ask: Just tell me the exact amount of my upcoming bills please.
Insights are okay but my banking app already does that with the pie chart of your expenses and stuff. So not a feature I *need* to pay for.
The Rules setting needs UI improvements—it’s not visually friendly to use, it looks like some backend stuff with the if/then statements, nobody wants to think about if/then statements.
Also whatever tool they use the pull in the transactions could use improvement with naming conventions and how it categorizes stuff, I know that’s case by case basis but nobody gets a budgeting projection app wanting to edit every single transaction.
My Amex card always thinks my account is being hacked whenever PocketGuard pulls transactions. Here comes another annoying notification…
Overall I’m underwhelmed and feel like I have no use for this thing aside from the fact that it combines spending across different accounts but I’m thinking about simplifying my life to one or two cards max anyway and at that point this app will definitely be useless to me.
At this point I’m hoping they improve and that lifetime members are grandfathered in, worse case I’m out $140 and sticking to my banking app because it does the same thing for free
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Good money management tool
Continuous improvements and changes; takes input and feature requests.
Misleading subscription
While I understand it is my job to read the fine print, the app marketed their subscription prices month by month, however charged me for a whole year. Disappointed that an app made to help you budget and manage your subscriptions, marketed their subscription in a not so clear/transparent way.
Best budgeting app I have ever used but why is there no light mode???
thank you for making my life easier
when it comes to managing finances.. one complaint, in the age of ai, there should not be a single reason to not offer both light and dark mode. Light mode is super helpful for visibility in certain conditions. Please. Learn from Apple’s wallet app!
when it comes to managing finances.. one complaint, in the age of ai, there should not be a single reason to not offer both light and dark mode. Light mode is super helpful for visibility in certain conditions. Please. Learn from Apple’s wallet app!
