PocketGuard
Verified working Sep 20, 2026
A budgeting app that shows what you can safely spend each month.
PocketGuard is a personal finance app for tracking spending, bills, debts, subscriptions, goals, and net worth across connected financial accounts. It focuses on giving users a clear monthly picture of cash flow, available spending money, recurring obligations, and debt payoff progress.
Why it stands out
- Emphasizes a practical “leftover money” view rather than only category-by-category budgeting.
- Combines budgeting, bills, debt payoff, subscriptions, and net worth tracking in one app.
- Includes transaction rules for automatically organizing repeated merchants, accounts, or categories.
- Offers a separate advisor/coaching platform for professionals working with clients.
- Provides many standalone calculators alongside the connected budgeting app.
Good to know
- Automated tracking depends on supported financial account connections and the accuracy of imported transaction data.
- The homepage emphasizes a 7-day trial, so ongoing use may require a paid plan after the trial period.
- Bill negotiation is handled through Billshark, so that feature relies on an external partner service.
- Users who want highly advanced financial planning or investment analysis may find the app more focused on everyday budgeting.
Photos
First-time budgeters and overspenders can use it to see remaining spendable money after bills, goals, and necessities. Review all bank and card transactions in one place instead of checking multiple accounts. Set savings goals and test whether they fit within the current monthly budget. Build a debt payoff plan based on balances, budget, and repayment strategy. Spot recurring subscriptions or bills that may need to be canceled or negotiated.
Connected-account transaction tracking, custom budgets, spending insights, recurring bill and subscription tracking, debt payoff planning, savings goals, net worth tracking, weekly reports and alerts, transaction rules, and a library of finance calculators for loans, rent affordability, and budgeting scenarios.
Technical Notes
- PocketGuard advertises a business API integration option, but public documentation, pricing, authentication details, and rate limits are not shown in the provided page text.
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