PocketGuard

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 "Leftover" 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! BANK-LEVEL SECURITY 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 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/

Budget Tracker & Money Planner — Join 1M+ users who know exactly where their money goes and what's safe to spend. Take control of your budget with PocketGuard — all-in-one budget planner, expense tracker, and bill organizer. Named by Forbes as one of the best budgeting apps of 2026, CNBC Select's pick for best app for over-spenders, and CNN's favorite budget app. "PocketGuard is an invaluable tool for getting a comprehensive and regularly updated overview of your money situation." — Forbes Build budgets that match your actual spending habits: custom categories, rollover budgets, and flexible transaction splitting for shared costs or mixed purchases. Always Know What's in Your Pocket • Budgeting with PocketGuard helps you make smarter spending decisions: • Real-time budget balance after income and expenses • Safe-to-spend amount after bills, goals, and essentials • How much you can safely use for daily spending without hurting tomorrow's budget Spending Pace — You won't overspend anymore PocketGuard's overspending alert — Spending Pace — analyzes your bills and habits to show whether you're on track before the month ends: • On Pace — spending is aligned with monthly budget plan • Under Pace — spending is trending lower than your budget expected • Over Pace — spending is accelerating and may exceed the budget Smart Transaction Rules — Automatic Expense Categorization Create smart, customizable rules that automatically: • Detect merchant names, keywords, amounts, categories, and accounts • Rename merchants, fix categories, and add hashtags for spending tracking • Mark transactions as "Don't count" • Apply rules automatically to every new transaction Spending Analytics & Monthly Budget Review • Visual budget & spending tracker reports • Category and merchant breakdowns • Month-to-month budget performance comparison • Spending trend analysis Bills and Subscription Organizer • Connect your bank and PocketGuard automatically identifies bills, subscriptions and recurring payments. • Never miss a due date • Spot and cancel subscriptions • Lower bills using a built-in bill negotiation service Build Your Debt-Payoff Plan PocketGuard analyzes your spending to calculates the most efficient repayment strategy so you can reduce interest costs, see your payoff timeline, and track your budget progress. Bank-Level SecurityYour data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices. FAQ What is PocketGuard and how does it work? PocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge), automatically categorizes transactions, identifies bills and subscriptions, and calculates how much you can safely spend each day. Who is PocketGuard best for? Anyone who wants to stop overspending, pay off debt faster, track subscriptions, or build savings. Is PocketGuard free? Yes — core features are free. PocketGuard Plus unlocks unlimited budgets, transaction rules, debt payoff planner, and more. Start with a 7-day free trial, then $12.99/month or $74.99/year. Is it safe to connect my bank? Yes. PocketGuard uses 256-bit SSL encryption, biometric login, PIN protection, and MFA. Your credentials are never stored — read-only access only. Which countries and banks are supported? PocketGuard connects to financial institutions in the United States, Canada, and the United Kingdom. Can I use PocketGuard without connecting to a bank? Yes. You can manage your budget and add transactions manually. PocketGuard Plus Subscription Start a 7-day free trial, then choose a plan: Monthly — $12.99 Annual — $74.99 Prices may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before renewal. Any unused portion of a free trial is forfeited once a subscription is purchased. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/