About Budget App - PocketGuard
Budget Tracker & Money Planner — Join 1.7 M+ users who know exactly where their money goes and what's safe to spend. Take control of your budget with PocketGuard — all-in-one budget planner, expense tracker, and bill organ
Budget Tracker & Money Planner — Join 1.7 M+ users who know exactly where their money goes and what's safe to spend.
Take control of your budget with PocketGuard — all-in-one budget planner, expense tracker, and bill organizer. Named by Forbes as one of the best budgeting apps of 2026, CNBC Select's pick for best app for over-spenders, and CNN's favorite budget app.
"PocketGuard is an invaluable tool for getting a comprehensive and regularly updated overview of your money situation." — Forbes
Build budgets that match your actual spending habits: custom categories, rollover budgets, and flexible transaction splitting for shared costs or mixed purchases.
Always Know What's in Your Pocket
• Budgeting with PocketGuard helps you make smarter spending decisions:
• Real-time budget balance after income and expenses
• Safe-to-spend amount after bills, goals, and essentials
• How much you can safely use for daily spending without hurting tomorrow's budget
Spending Pace — You won't overspend anymore
PocketGuard's overspending alert — Spending Pace — analyzes your bills and habits to show whether you're on track before the month ends:
• On Pace — spending is aligned with monthly budget plan
• Under Pace — spending is trending lower than your budget expected
• Over Pace — spending is accelerating and may exceed the budget
Smart Transaction Rules — Automatic Expense Categorization
Create smart, customizable rules that automatically:
• Detect merchant names, keywords, amounts, categories, and accounts
• Rename merchants, fix categories, and add hashtags for spending tracking
• Mark transactions as "Don't count"
• Apply rules automatically to every new transaction
Spending Analytics & Monthly Budget Review
• Visual budget & spending tracker reports
• Category and merchant breakdowns
• Month-to-month budget performance comparison
• Spending trend analysis
Bills and Subscription Organizer
• Connect your bank and PocketGuard automatically identifies bills, subscriptions and recurring payments.
• Never miss a due date
• Spot and cancel subscriptions
• Lower bills using a built-in bill negotiation service
Build Your Debt-Payoff Plan
PocketGuard analyzes your spending to calculates the most efficient repayment strategy so you can reduce interest costs, see your payoff timeline, and track your budget progress.
Bank-Level SecurityYour data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices.
FAQ
What is PocketGuard and how does it work?
PocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge), automatically categorizes transactions, identifies bills and subscriptions, and calculates how much you can safely spend each day.
Who is PocketGuard best for?
Anyone who wants to stop overspending, pay off debt faster, track subscriptions, or build savings.
Is PocketGuard free?
Yes — core features are free. PocketGuard Plus unlocks unlimited budgets, transaction rules, debt payoff planner, and more. Start with a 7-day free trial, then $12.99/month or $74.99/year.
Is it safe to connect my bank?
Yes. PocketGuard uses 256-bit SSL encryption, biometric login, PIN protection, and MFA. Your credentials are never stored — read-only access only.
Which countries and banks are supported?
PocketGuard connects to financial institutions in the United States, Canada, and the United Kingdom.
Can I use PocketGuard without connecting to a bank?
Yes. You can manage your budget and add transactions manually.
PocketGuard Plus Subscription
Start a 7-day free trial, then choose a plan: Monthly — $12.99 Annual — $74.99
Prices may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before renewal. Any unused portion of a free trial is forfeited once a subscription is purchased.
Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/
Previous Versions
Here you can find the changelog of Budget App - PocketGuard since it was posted on our website on 2016-09-30 18:33:57.
The latest version is 5.19.3 and it was updated on 2026-10-12 16:28:10. See below the changes in each version.
Budget App - PocketGuard version 5.19.3
Updated At: 2026-08-20
Changes: Stability tweaks and other improvements to make managing your money as easy as possible.
Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!
Budget App - PocketGuard version 5.19.2
Updated At: 2026-07-31
Changes: INTRODUCING PACE - A NEW PREDICTIVE SPENDING METRIC
• Forecasts how your month is trending based on your actual spending behavior
• Shows when you're on track - or going beyond your plan
• Adapts to your spending patterns for more accurate projections
• Clear, intuitive visuals for better financial decisions
Open the app and go to the Plan tab.
More updates are on their way.
Budget App - PocketGuard version 5.18.5
Updated At: 2026-03-05
Changes: - LAST MONTH’S BUDGET REVIEW IS NOW LIVE!
(Go to the Plan tab → Tap the Month at the top → Choose a month to review)
Simple. Clear. Insightful.
You can now revisit any previous month in the Plan tab.
See how your budget evolved, spot meaningful trends, and plan with more confidence.
A clearer view of your past.
Smarter decisions for your future.
- More updates are on their way.
Budget App - PocketGuard version 5.17.1
Updated At: 2025-11-07
Changes: Double count resolved! We’ve improved how transactions in different sections are handled, so your calculations are now more consistent. Enjoy a smoother and clearer view of your money.
Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!
Budget App - PocketGuard version 5.16.3
Updated At: 2025-09-26
Changes: You asked, we delivered. Transaction Rules is the final and most powerful piece of our biggest update yet, built to eliminate the frustration of sorting through endless uncategorized and mislabeled transactions. We know how much time you spend manually cleaning up your history, fixing the same categories again and again, or trying to make sense of raw, messy data. With this release, you can finally take full charge.
Budget App - PocketGuard version 5.14
Updated At: 2025-03-28
Changes: You can now bulk edit multiple transactions at once. A highly requested feature we’ve built bulk editing transactions, available first on the mobile, you can select multiple transactions at once and edit them in one place. You can even hide multiple transactions straight from the Transactions page.
Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!
Budget App - PocketGuard version 5.13
Updated At: 2025-02-20
Changes: We’re excited to introduce a powerful new feature that will make managing your finances easier than ever - Transaction Filtering! Now, you can effortlessly sort and analyze your transactions with a variety of customizable filters, helping you gain deeper insights into your spending habits and search for any transaction.
Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!
Budget App - PocketGuard version 5.9
Updated At: 2024-10-28
Changes: We’re excited to announce the launch of the final part of the Rollover Budget feature! Now, managing your spending is easier than ever. Any unused portion of your budget from one month will automatically roll over to the next, giving you the flexibility to plan your finances more effectively. You no longer have to worry about overspending or unused funds — PocketGuard handles it all for you.
Budget App - PocketGuard version 5.8.2
Updated At: 2024-10-16
Changes: - Category details redesign
- Category budgets - calculation info
- Improved bank connections and syncing
- Better coverage for financial institutions
- More providers for subscription cancellation
- Add bank account redesign
- Apple Wallet integration fixes
Thank you for using PocketGuard! Each update is a step forward in delivering a smoother, clearer, and more user-friendly experience. Keep the feedback coming!
Budget App - PocketGuard version 5.8
Updated At: 2024-08-20
Changes: - Category details redesign
- Category budgets - calculation info
- Improved bank connections and syncing
- Better coverage for financial institutions
- More providers for subscription cancellation
- Add bank account redesign
- Apple Wallet integration fixes
