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Get simple answers to difficult budgeting questions just in 15 minutes. Spend less than you earn to stop overspending, achieve your financial dreams, and experience a brighter financial future.

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4.7 Stars

4.7 Stars

  (10k Ratings)

$40 million+

Lowered in bills

$900 million+

Saved in goals

$90 million+

Paid off in debts

Personal finance simplified

Get a handy quick reference guide to your finance in a few seconds

All accounts & transactions in one place

Link your banks, credit cards, loans & investment in one place, to keep track of your account balances, net worth and more.

Schedule & track all your recurring expenses

Cover all bills on time with your income. Get informed on due dates and upcoming bills.

Review your Cash Flow and grow Net Worth

See your assets & debts in one place. Once bank account is connected, PocketGuard starts to work as a fraud detector.

Keep your money and data safe & secure

Your data is secured with 256-bit SSL encryption. That’s the same level of security as major banks.

Know what's in your pocket.
Keep tabs on your spending.

We crunch the numbers to show how much spendable money you have after setting aside enough for bills, goals, and necessities.

See which expenses eat up too much of the pie. Personalize your reports with custom categories and #hashtags.

Become debt-free on your own terms. See all transactions.

Build an optimal strategy of financial management to pay off your debts with snowball or avalanche methods. See how many payment cycles left until debt-free with PocketGuard debt‑payoff planner.

Link your banks, credit cards, loans & investment in one place, to keep track of your account balances, net worth and more.

Track and lower your bills.
Reach your goals with ease.

Negotiate better rates on your cable, cell phone and other bills.

PocketGuard applies a SMART goal strategy, so you could create a realistic budget. How much money are you able to contribute to your goal on a monthly basis? Does this amount fit your budget?

Monitor your progress. Set milestones to hit. Use the big power of small wins to motivate yourself moving forward.

Feel the value

Great 4.2 out of 5 trustpilot

Thousands of people in the US, UK and Canada use PocketGuard to budget and track their spending.

David G. 17/02/2023

I’ve paid for the premium version to get the absolute most out of the app. My 81 year old mother now uses the app, she also loves it. I can easily reference what bills are still outstanding and show my husband our spending trends and cash flow. It is a breeze.

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Tegan S. 29/03/2023

The budget service and app deliver everything it promised, and the support for any issues has been super responsive. I would 100% recommend the premium upgrade.

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Jeff D. 15/04/2023

Within 40 seconds of linking my account to this app, I was alerted to a recurring membership I never approved of and was able to get a full refund. I’ve barely used this app and it’s already saved me $400. Install it.

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Devan E. 09/05/2023

My husband and I love this app so much! ❤️ It helps us keep track of our finances and unwanted subscriptions. We will continue to use this app from here on out for our household.

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Matthew S. 08/06/2023

Wonderful way to track your finances, set up budgets and goals to really dial in your budget. The premium version is the way to go.

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Nic G. 19/07/2023

I’m surprised at how perfectly it matches what I was looking for. This is the perfect budgeting tool for me. Things like Mint or YNAB were OK, but this just makes sense out of the box.

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Phil M. 12/02/2023

I’ve used so many budgeting apps, and this is the first one that not only allowed me to understand my spending but also me to change my habits!! I swear by it.

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Ashley B. 23/03/2023

Love the budget categories that come with the premium.

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George H. 12/04/2023

As helpful as you make it, this app allows user to easily create and edit categories in order to track spending patterns. Exactly what my family needs!

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Nicole E. 11/05/2023

Set up was easy! Reminders are appreciated. The entire setup is smart and relevant. Lots of categories to make a comprehensive budget for myself. Very happy with this product! Exceeded my expectations.

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Jo R. 04/06/2023

Used many budgeting apps and this one is one of the best. It’s so good that I bought the lifetime license.

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Jazi L. 22/07/2023

I did decide to purchase the lifetime option and love that I can create my own categories, and split my transactions. It gives me a much more clear and accurate view of my spending. I love this app!

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Luke F. 13/02/2023

Every month, the budget can change. Kids have summer camps. There are trips. There are car repairs. This app allows for flexibility and shows exactly where you are with leftover money every month.

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Jen A. 26/03/2023

Can’t explain in words how helpful this app has been in helping me keep track of all my expenses and all income, cash app, Venmo, my car payments, and what I should and shouldn’t be budgeting for.

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Jason T. 10/04/2023

I have been using PocketGuard since 2020. I am able to keep track of everything. Awesome app.

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GammaCo 07/08/2023

Best budgeting app by far

The only reason why Mint, YNAB, and the other budgeting apps with tens of thousands of reviews are rated so high is because those users have never tried this app. PocketGuard blows those apps out of the water with the ease of use and features. The only thing missing is support for Apple Card but most apps don’t have that yet so no big deal.

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schwarzluke 10/08/2023

FANTASTIC Budgeting App!!

This is an awesome app for keeping track of your finances! It’s very intuitive, and I love the zero-based budgeting approach. I also love that they offer a lifetime one-time purchase option for the premium version. This app has made managing my personal budget so much easier. I recommend this to anyone who is wanting to get a better grip on their monthly spending.

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Old n New Favorites 01/08/2023

Great tool - simple and easy to use

I love that it is customizable for categories, and whether or not a transaction should be counted. The budget is simple and easy to see where the money goes, and where you can make adjustments. The updates from bank accounts with merchant info and the ability to split the receipt into multiple categories. Just a well thought out and user friendly app. Only suggestion is to make it available to adjust a future budget, i.e. the coming month. That would make it easier to plan for certain expenses.

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ED RAMOS 10/10/2021

Once you try it, you will like it. Very clean organized app for Financing $ Budgeting 💪🤑🤑🤑🤑

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Paulin1160 14/03/2022

Best finance tracking app I've had

It’s a pretty great app! I am terrible with money and this has made it A LOT EASIER to track my expenses and see where my money goes. And it’s been pretty revealing! It’s made a huge differences in how and where I spend my money! Am gonna use this app for a long time going forward!

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Maya Sweedler 27/11/2021

App is super useful -- but what really set it apart in my experience is the customer support. I emailed support with a syncing issue and over the course of a month, PocketGuard kept me updated as it worked across a bunch of platforms to resolve the issue. Now it's working perfectly and I'm so appreciative of how helpful and communicative the team was!

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Sean McDougle 21/01/2022

The budget system is the best and the customer support is top notch!

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Samantha Staunton 07/10/2021

This app fit perfectly for my budget and tracking everything. Was really eaay to adjust and set goals ect. Great choice when ur starting to figure everhthing out!

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Kmcallahan77 12/09/2021

Awesome app

I’m used to looking at our monthly budget in 2D, and if I wanted to do any sort of analysis, I would have to do all the work, taking hours. This 3D app does the majority of the work for me so I can step back, look at where my money is going, and start making better decisions. I haven’t even seen everything it can do yet, very excited

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Melissa Patton 31/12/2021

I really enjoy this app. It puts things in categories with little maintenance on my part. I used to take up to three hours at the end of the month to do what this app does. Thankful to be able to manage my spending better.

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Ashley Bauer 24/02/2022

Love the budget categories that come with the premium

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Austin McRobbie 28/08/2021

Best finance app yet

I’ve used several finance apps - but PocketGuard takes the cake! It’s intuitive, super easy to use…exactly what to want!

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JFDubro 01/09/2021

I never review apps but get this one.

Within 40 seconds of linking my account to this app, I was alerted to a recurring membership I never approved of and was able to get a full refund. I've barely used this app and it's already saved me $400. Install it.

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Nic Gordon 24/09/2021

I'm surprised at how perfe fly it matches what I was looking for. This is the perfect budgeting tool for me. Things like Mint or YNAB were OK, but this just makes sense out of the box.

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Tegan 620 05/02/2022

I would 100% recommend the premium upgrade

The budget service and app delivers on everything it promised, and the support for any issues has been super responsive. I would 100% recommend the premium upgrade.

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Jayaroo 03/11/2021

Better than Mint

Better interface, nice and simple. Able to see all bills outgoing and income in one pie. Used to be free, now cost $$, will wait to see if it goes on sale. Would highly recommend!

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agbs31 21/09/2021

Big fan!

I’ve used mint and every dollar. Every dollar is very clean looking, PocketGuard takes some getting used to. BUT, I’ve got to tell you, after taking a few days or so to get my feet wet to truly understand this app and learn how to navigate my way through it, I love it! My favorite features: – upcoming bills. It’s a feature that I have sorely been missing,Knowing what bills are coming up and when is key for making sure I’ve got enough money in the bank to avoid overdraft payments. Super easy the way I have it set up, on the overview page I have a section that includes all my fixed costs for the month, easy to see and easy to categorize. Makes it super easy to budget what I have left over. - hashtags.I love the hashtags, never been easier to see how much I spent on back to school stuff , on my recent vacation, etc. -Love the easy comparison from one month to the next to see if I spent more than less than the previous month in a particular category. There’s more, but suffice it to say that I found the app that works for me. My only qualm is that I wish you could customize the color scheme. I’d like a lighter color scheme.

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Dry.Towels 28/12/2021

Awesome !

Great app ! Helped me when I was overwhelmed when keeping track of all my bills. Only complain is that sometimes it took about a day for the app to update how much money I had in my accounts. Other than that it was perfect !

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jen230914 18/11/2021

Best app I've found

Can’t explain in words how helpful this app has been in helping me keep track of all my expenses and all of income, cash, cash app, Venmo, my car payMents and the way it’s affecting my budgets and what I should and shouldn’t be budgeting for.

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DevanEve 05/03/2022

We love it!

My husband and I love this app so much! ❤️ It helps us keep track of our finances and unwanted subscriptions. We will continue to use this app from here on out for our household

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kristalyns 15/01/2022

Everything I need in one place!!!

I love this app- as a minimalist I’ve been wanting something like this for years. Finally in one glance I can see how I’m doing, adjust, and plan! The customer service is also amazing- one of my credit cards wouldn’t link up and the PocketGuard team worked on solving the problem for days and fixed it! Great communication, very kind team. I highly recommend!!

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PocketGuard is an all-in-one budgeting platform that brings together everything you need to optimize your finances.