Meet Pace – a new element of the PocketGuard budgeting toolkit. It’s a powerful model that estimates monthly expense changes, helps you adapt quickly to emerging budgeting distractions, and prevents stressful financial moments. The feature is live on iOS now, with Android support following soon.
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The graphic indicator on the Plan tab vividly predicts the funds left over by the end of the month if the spending pace is holding. This data-driven approach develops deeper financial awareness and gives a broader outlook on your future money well-being.
Compare your current spending with planned bills, budgets, goals, and debt payoff plans, while factoring in your cash flow over the past six months.
Check the visual graph daily, weigh the possible risks of overspending from the context, and take action early before you fall on hard times.
See instantly whether the current spending speed brings you closer to your budgeting targets or pushes them away – no surprises, just real evidence.
Pace shows your projected end-of-month balance based on current spending — fix a bad trajectory before it becomes a bad month.
Pace flags the problem early, giving you time to slow down before the damage is done.
Pace uses six months of your actual cash flow — not a generic estimate, but a forecast based on how you really spend.
The visual indicator on your Plan tab shows instantly whether you're on track or heading for trouble.
Most budgeting tools tell you what happened. Pace tells you what's about to happen.
Bills, savings goals, debt payments — Pace factors in everything, not just your daily spending.
Saw I was spending too fast in week two, cut back on dining out, and finished the month with money left over. First time in ages.
James L.
The forecast feels real because it's based on how I actually live, not some generic average.
Nina B.
Opened the app on the 10th and Pace had already flagged me for going over budget by $200. I changed my grocery budget and ended up with a positive balance.
Mark D.
“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.”
Think of spending pace as your financial speedometer. It's a real-time look at how quickly you're burning through your daily cash compared to how many days are left until you get paid again.
To predict monthly expenses you have to look at your actual habits. A solid spending prediction tool does this by automatically adding up your average daily coffee runs and grocery trips, then stacking them on top of the big bills you know are coming.
Forecasting is like a "weather report" for your wallet. While regular tracking just tells you what you've already spent, forecasting uses your current behavior to predict spending patterns for the weeks ahead.
Budgeting is the plan you make at the start of the month—it's where you hope your money goes. Budget forecasting is the reality check. It looks at what you're actually doing right now to see if you're actually going to hit those goals.
Our spending prediction app works by monitoring two things: your fixed bills and your "lifestyle" spending. It analyzes how much you typically spend on variable things and projects that number forward to the end of your cycle, adding in any upcoming rent or subscriptions.
That's exactly why we built it. By comparing what you're projected to spend against the cash you actually have left, Pace acts as an early warning system.
A regular tracker is like looking at a receipt; it's a record of what's already gone. PocketGuard Pace is more like a GPS with live traffic alerts. It uses your data as a spending prediction tool to show you the road ahead, helping you steer around financial obstacles before you ever reach them.
Regular updates, new features, connectivity improvements!
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No more surprises at the end of the month. Pace forecasts your end-of-month balance from your real spending history, so you can slow down before a bad week becomes a bad month. Everything you need to manage your money lives in one app.
