Take control of your
money with a budget

PocketGuard tracks your spending in real time against the limits you set for each budget category. As soon as a transaction is posted from any linked bank account or a cash transaction is entered into the app, your budget updates automatically, giving an instant view of the remaining funds. Unlike a spreadsheet, PocketGuard always shows you how much money is safe to spend without throwing off your monthly plan.

When a transaction is imported into the app, it is automatically assigned to a spending category, such as groceries, dining out, or transport. You can always change the category manually or create a rule so that a specific merchant or payment is categorized how you prefer every time. Cash transactions are assigned to the appropriate categories when users add them manually.

No. Once your budget categories are set up, they automatically reset at the beginning of each month, so you do not need to recreate them from scratch. If you want to adjust the amount allocated to a specific category, you can simply edit that budget at any time.

Yes – in fact, it can be even more useful if your income varies. Build your budget around your lowest expected monthly income, so that amount becomes your baseline. In stronger months, any extra income stands out more clearly, so you can decide where it goes instead of watching it disappear into untracked spending.

A good practice is to create bills for fixed or recurring expenses, such as subscriptions, rent, and insurance. Budgets are best for variable or non-recurring charges like shopping, groceries, and transport. To avoid double-counting, make sure your budget categories do not overlap with the categories already used for bills.