PocketGuard is a money and budget planner with a spending tracker and expense organizer. A budgeting app will help you save money and manage your monthly budget with confidence.

Join 1M+ people who already Know Where the Money Goes and What’s Safe to Spend!

Plan your budget with a budgeting app, see your real-life spending patterns over time, set money goals, and use a debt payoff planner and tracker — all in one app designed to give you control of your budget and finance.

Always Know What’s in Your Pocket

PocketGuard helps you make smarter spending decisions by showing:

• Your real-time balance after income and expenses

• The actual safe-to-spend amount after bills, goals, and essentials in your monthly budget plan

• How much you can safely use today without hurting tomorrow’s budget

Spending Pace — You won't overspend anymore

By analyzing budgets, bills, goals, and recent spending behavior, Pace shows:

• On Pace — spending is aligned with your monthly budget plan

• Under Pace — money spending is trending lower than expected

• Over Pace — spending is accelerating and may exceed the budget

Unlike flat daily averages, Pace adjusts to real habits, upcoming bills, and planned contributions — helping you course-correct early and stay in control.

Transaction Rules — Smart Transactions Automation

Create smart, customizable rules that automatically:

• Detect merchant names, keywords, amounts, categories, accounts, and more

• Rename merchants the way you want

• Fix spending categories instantly

• Add hashtags for powerful search and tracking

• Mark transactions as “Don’t count”

• Apply rules automatically to every new transaction

Set it once — and PocketGuard keeps everything organized.

Comprehensive Analytics

Understand your financial habits with:

• Visual spending tracker reports

• Category and merchant breakdowns

• Spending trend analysis

Monthly Budget Review - check the past to build the future.

Review past months to:

• See how spending patterns changed over time in your monthly budget

• Compare month-to-month performance

• Identify what worked — and adjust your budget plan

Bills and Subscription Organizer

Connect your bank, and PocketGuard automatically identifies bills, subscriptions, and recurring payments — then adds them to your budget.

• Never miss a due date

• Spot forgotten subscriptions

• Cancel subscriptions you no longer need

• Keep recurring expenses under control with a bill payment organizer

• Lower bills using a built-in bill negotiation service

Set and Reach Your Financial Goals

Turn your plans into real progress with a built-in savings tracker and saving money app tools:

• Create personalized savings goals in your budget planner

• See how much you need to save each month in your monthly budget plan

• Track your progress with a money tracker

• Adjust your spending to stay on track

Build Your Debt-Payoff Plan

PocketGuard calculates the most efficient repayment strategy so you can:

• Reduce interest costs

• See your debt payoff timeline

• Track progress step by step

Bank-Level Security

Your data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices.

PocketGuard connects to U.S. and Canadian financial institutions only. UK need to be mentioned

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/