Cash Flow Tracker

Compare your spending towards your income to see the leftover amount of money you have every month. Break down your expenses into recurring bills and variable categories.

Start your 7-day trial

or scan QR to install
QR

Spend less than you earn to stay on track

Analyze your cash flow to see the remaining amount of money. Determine how much you spend on bills and other recurring expenses and compare it to your income and other variable costs.

Break down expenses

Analyze your expenses broken down by type. See how much you spend on recurring bills and other categories.

See your net income

Keep track of your remaining funds at the end of each month after you have covered all your expenses.

Compare and adjust

Adjust your expenses to spend less than you earn, save more, make informed decisions, and live better.

Over 1 million customers track their money flow with PocketGuard

Know before the month ends

Most people only realize they overspent when it's too late. PocketGuard shows your cash flow in real time, so you can course-correct while you still have time.

Stop wondering where your money went

You get a clear split between fixed bills and everyday spending — so the culprit is always visible.

See what you actually take home

Gross salary looks great on paper. Cash Flow shows what's left after bills and recurring costs — the number that actually runs your life.

No more surprise expensive months

Past Cash Flow trends will make you aware of the seasons – holidays, insurance payments, and getting back to school.

Make faster financial decisions

Wondering if you can afford a new subscription or an extra loan payment? Your cash flow gives you the real answer in seconds, no spreadsheet needed.

Turn tight months into a surplus

Seeing income vs. expenses side by side makes it obvious where small changes can free up real money every month.

I kept thinking I was bad with money. Turns out I just had no idea where it was going. Cash Flow showed me in about 30 seconds.

Tomas W.

Every December I'd blow my budget without knowing why. Now I can see it coming months in advance and actually plan for it.

Lena K.

I finally understood why I was always broke mid-month — my recurring bills were eating 70% of my income. Seeing it laid out made it impossible to ignore.

Chris M.

PocketGuard app review

  • logo App Store App Store 4,6
  • logo Google Play Google Play 100K+ Downloads

“PocketGuard is highly automated, which means it requires less time and effort than many competing apps do. You'll be able to set up your account in just a few clicks.”

“The app’s easy-to-use interface, accessible pricing structure, spending alerts and recommendations make it excellent for improving your finances. That’s why it earned a spot on Forbes Advisors’ Best Budgeting Apps.”

Cash Flow Tracker FAQ

How do you track cash flow?

You take everything you earn — your paycheck, side hustle money, or tax refunds — and stack it up against your outgoings. It's less about boring accounting and more about seeing the rhythm of your money so you aren't surprised by an empty balance mid-month.

How does PocketGuard calculate my cash flow?

Our cash flow tracker syncs with your bank accounts to see the real numbers. The app takes your total income and peels away the "non-negotiables": your rent or mortgage, utility bills, and those savings goals you're working toward. Whatever is left is your “Leftover" money — the actual cash you can spend right now.

Why is tracking cash flow important?

Reliable money tracker helps you catch those "hidden" leaks — like that subscription you forgot to cancel — before they turn into a problem. It gives you the green light to spend on things you enjoy because you know exactly how much "wiggle room" you have after the important stuff is covered.

Does PocketGuard automatically track my expenses?

Exactly. No one wants to spend their Sunday night typing receipts into a spreadsheet. As an automated spending tracker, the app pulls in your transactions and sorts them into categories without you lifting a finger.

How often is my cash flow updated?

Whenever you open the cash flow tracking app, we refresh your data to reflect the most recent cleared transactions from your banks. It's designed to be a live look at your finances, so if you just swiped your card at lunch, you'll see that reflected as soon as we get the data from your bank and data provider.

How much should I have left over after bills?

When you track spendings, a solid starting point is trying to keep your "needs" around 50% of your take-home pay. That leaves the rest for your future self (savings) and your current self (fun). If you find you have nothing left after the bills are paid, it's a clear signal to look at your recurring subscriptions or fixed costs.

Try it free for 7 days

What’s included:

Regular updates, new features, connectivity improvements!

  • Full monthly cash flow breakdown
  • Income vs. expenses comparison by month
  • Recurring bills vs. variable spending split
  • Cash flow history & trend tracking
  • Net income calculation after all expenses
  • Plus budgeting, debt payoff, net worth tracking and more tools to keep your finances fully under control

Free Trial

Monthly

Annual

 

7 Days Free

$0 Try all premium features free for 7 days. No commitment.

PocketGuard Plus

$12.99/month

Billed monthly

All prices in US Dollars

PocketGuard Plus

$6.25/monthSave 52%

Billed $74.99 yearly

All prices in US Dollars

Improve your life using budgeting

PocketGuard is an all-in-one platform that brings together everything you need to optimize your finances. Join thousands of families using PocketGuard to achieve financial peace and security.