Stay on Pace With Your Budget.

Know where your money is going with PocketGuard budget app

Stop guessing and start saving. PocketGuard links your accounts to track spending, optimize bills, and find money you didn’t know you had

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4.6 App Store
7.7K Ratings
12,000+ reviews
PocketGuard mobile budgeting app

EVERYTHING IN ONE PLACE

Take control of your money

Track your expenses, create a personalized, realistic budget, know what’s safe to spend, pay off debts, set goals, and find more money to save or invest. PocketGuard is an all-in-one money management platform that brings together everything you need to control your personal finances. Available on web, iOS, and Android.

TRACK

01

See where your money goes

Connect your accounts and automatically organize your income, spending, bills, debts, savings, and investments.

categorized transactions history

BUDGET

02

Create a budget that fits your life

Set flexible limits with our budgeting tools and always know what’s safe to spend after bills, debt payments, savings, and goals.

monthly budget plan example

SAVE

03

Find more money for what matters

Cut unnecessary expenses and use the money you free up to pay off debts faster, save more or invest.

find all your subscriptions

PLAN

04

Set goals and prepare for what’s next

Plan upcoming expenses, track your goals, and decide how much money you can save or invest.

monthly budget with goals

Track your spending, boost your savings

PocketGuard's Leftover feature example

Leftover

You always know how much money you have left to spend after budgeting for necessities.

see your monthly duties in PocketGuard budget app

Budgets

Budgeting is now easy. Create a budget that works for you. Zero-based or envelopes – PocketGuard budget app offers flexibility to meed your needs.

Pace spending predictions in PocketGuard budgeting app

Predict where your money goes before it does

Predictive algorithm learns your spending patterns and tags every transaction automatically. The more you use it, the smarter it gets. Finally – the relief of knowing you're on pace.

PocketGuard spending insights example

Spending Insights

Start your day with a quick look at your spending line, pending refunds, upcoming bills, or subscriptions. See, compare, act!

custom transaction rules example

Rules

Turn financial chaos into clarity. Automate transactions to put them into the right bucket.

budget rollovers example

Rollovers

Didn’t spend your full budget?
Roll it over into next month and save for what really matters. Watch bigger goals get closer.

PocketGuard shows how much you save on subscribtions

Spot subscriptions

Catch recurring charges before they renew and cancel the subscriptions you forgot about.

saving goals example

Saving goals

Create realistic, achievable goals that fit your budget. Track your progress automatically with our finance planner and stay motivated.

debt payoff plan example

Debt payoff planner

Build a personalized debt payoff strategy based on your budget, compare different approaches, and see exactly when you'll become debt-free.

transactions list example

Transactions

See all transactions from all of your financial institutions in one list. Easily filter and bulk edit transactions in our simple budget app.

A budgeting method for every money mindset

Whether you like strict rules or total freedom, PocketGuard meets your needs. Build your budget based on a proven method, adapt it, or create your own.

Custom budgeting

Build your own system from scratch. Name your categories, set unique limits, and budget the way your brain works.

Zero-based budgeting

Give every dollar a job - create a proactive plan for your spending. Income minus expenses equals zero, so nothing slips through the cracks.

50/30/20 rule

Split income into needs, wants, and savings. PocketGuard will guard your limits and predict if you're going over.

Envelope budgeting

Limits how much you can spend on each category. Discipline is the core.

SYNC EVERYWHERE

Your money, on every platform

WEB, iOS, Apple Watch, Android – PocketGuard keeps your budget synced wherever you check in. One tap and you know exactly what's safe to spend.

  • Real-time sync across devices
  • Glanceable widgets & complications
  • Secure bank-level encryption
PocketGuard budgeting app is available on web, iOs, Apple Watch and Android

Loved by budgeters

Everyone is talking about PocketGuard. People like you in the US, Canada, and the UK use our money app to track their finances. We’ve helped more than 1,700,000 people get better with their money. They save more, they earn more, and they control their finances. We can’t wait to do the same for you!

I live by this app

I have used every budgeting and spending app offered since 2003. By far, this is the most straightforward and user friendly app I've used. I hope it never goes away, 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 reference the app multiple times a day, I can easily reference what bills are still outstanding without use of a calculator or downloading an excel file, although I can if needed. I can easily show my husband our spending trends and cash flow. I have gradually added more to the app and we are now tracking net worth. It is a breeze.

DGraham64

Best personal finance app

Love PocketGuard and will continue to use for my personal finance management.

noctis.d

My best financial tracking app

One of the most comfortable financial tracking app that I've ever used. It's really easy to use and it has all functions that you might need. Thank you!

Frankdavis.O2

This is the best budget app I have used. Like most people my financial view is based on what I can spend right now after goals, paying bills, keeping certain budgets strict, while having leniency in others. The overview shows next paycheck and bills due before that paycheck. Breaks down how much "extra" money you have left per day. You can do folder or zero based budgeting with more customization than YNAB. The automated recognition of bill and payment schedules is better than any other. Cheap!

Justin Malmstedt

This is the best budgeting app I've ever used. The visualization and automated categorization of transactions is exactly what I've been looking for. Customer service has been very responsive and the team is constantly making updates/improvements.

Maria Leonardi

Must have

Have been using PocketGuard for more than a year and I am completely delighted with it. I use several finance tracker apps simultaneously and PocketGuard is definitely on top.

Antanina Hryshanovich

Best (mostly) automated budget app I have found thus far. The price is fair compared to other options that don't even work as well.

Mitchell Granet

Good money tracker in general. This app helped me to add my subscriptions, and now I seeing where is problem.

Kristian Kovacek

I've been trying for years to find the best expense tracking app. This is the best one I've ever tried! It's lacking a few critical features (multi-select of expenses, sometimes confusing merge of venmo/bank charges), as well as a few unintuitive design choices (e.g. finding where the income page is and viewing it against your expenses) Them fixing these in a timely manner will determine my willingness to pay for premium in the long term.

Michael Day

best budget planner l've used so far! leftover is a lifesaver for preventing overspending

Archie

I live by this app

I have used every budgeting and spending app offered since 2003. By far, this is the most straightforward and user friendly app I've used. I hope it never goes away, 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 reference the app multiple times a day, I can easily reference what bills are still outstanding without use of a calculator or downloading an excel file, although I can if needed. I can easily show my husband our spending trends and cash flow. I have gradually added more to the app and we are now tracking net worth. It is a breeze.

DGraham64

Best personal finance app

Love PocketGuard and will continue to use for my personal finance management.

noctis.d

My best financial tracking app

One of the most comfortable financial tracking app that I've ever used. It's really easy to use and it has all functions that you might need. Thank you!

Frankdavis.O2

This is the best budget app I have used. Like most people my financial view is based on what I can spend right now after goals, paying bills, keeping certain budgets strict, while having leniency in others. The overview shows next paycheck and bills due before that paycheck. Breaks down how much "extra" money you have left per day. You can do folder or zero based budgeting with more customization than YNAB. The automated recognition of bill and payment schedules is better than any other. Cheap!

Justin Malmstedt

This is the best budgeting app I've ever used. The visualization and automated categorization of transactions is exactly what I've been looking for. Customer service has been very responsive and the team is constantly making updates/improvements.

Maria Leonardi

Must have

Have been using PocketGuard for more than a year and I am completely delighted with it. I use several finance tracker apps simultaneously and PocketGuard is definitely on top.

Antanina Hryshanovich

Best (mostly) automated budget app I have found thus far. The price is fair compared to other options that don't even work as well.

Mitchell Granet

Good money tracker in general. This app helped me to add my subscriptions, and now I seeing where is problem.

Kristian Kovacek

I've been trying for years to find the best expense tracking app. This is the best one I've ever tried! It's lacking a few critical features (multi-select of expenses, sometimes confusing merge of venmo/bank charges), as well as a few unintuitive design choices (e.g. finding where the income page is and viewing it against your expenses) Them fixing these in a timely manner will determine my willingness to pay for premium in the long term.

Michael Day

best budget planner l've used so far! leftover is a lifesaver for preventing overspending

Archie

PocketGuard syncs with 20000+ financial institutions in the USA, the UK, and Canada

SYNCING

Smart budgeting safe connectivity

United States

Canada

United Kingdom

PocketGuard syncs with multiple financial data providers – more than other apps – to connect with 20,000+ institutions across the US, Canada, and the UK, and keep them updated in real time.

  • Bank-grade 256-bit encryption
  • Read-only access – we never move your money
  • Powered by Plaid, Finicity & Saltedge

Trusted by the best

Best Budgeting Apps Of 2026

Recognized as:Best budgeting app for tracking spending

“Our testing found that PocketGuard is the best budgeting app for tracking spending, earning a 4.5-star rating from our research team. PocketGuard makes it easy for users to analyze their spending habits through custom reports and allows them to create a fully customized budget and a personalized debt payoff schedule.”

The Best Budget Apps for 2026

Recognized as:PocketGuard, for a budget snapshot

“Consider downloading this app if you:

Want a relatively hands-off budgeting experience.

Are looking to see how much money is leftover at the end of each month.

Want to track spending, net worth and subscriptions in a single app.”

Best Budgeting Apps of 2026

Recognized as:Simple snapshot of how much you can spend

“What we like: PocketGuard connects to your financial accounts and keeps track of your transactions and bills. Then, it gives you a snapshot of how much you have available to spend based on your income, past and upcoming bills, and the money you've budgeted for spending and savings goals.”

Best budgeting apps of 2026

Recognized as:Best for overspenders: PocketGuard

“If you need accountability, PocketGuard notifies you whenever you’re approaching or exceeding your limit in any spending category. You can also create up to five custom “rules” to monitor specific categories, accounts or merchants.”

The Best Personal Finance and Budgeting Apps for 2026

Recognized as:Best for People Overwhelmed by Finance

“4.0 Excellent

PocketGuard makes this list because it offers a smart blend of features. It should appeal to people who want to monitor their bank transactions easily, save toward specific goals, and monitor their budgets, even if they don't need very advanced features in any one area.”

Best of Buy Side Awards 2025: Budgeting Apps

Recognized as:Best for first-time budgeters

“If you’re new to budgeting, PocketGuard can help by taking you through each step of creating a tweakable budget. You provide information about your goals and sync your accounts, and PocketGuard can sort and categorize your spending to guide you in making an initial budget.”

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