PocketGuard – Budgeting App

PocketGuard – Budgeting App

By PocketGuard, Inc.

  • Category: Finance
  • Release Date: 2015-01-07
  • Current Version: 5.18.3
  • Adult Rating: 4+
  • File Size: 144.32 MB
  • Developer: PocketGuard, Inc.
  • Compatibility: Android, iOS 16.0
Score: 4.58244
4.58244
From 7,477 Ratings

Description

PocketGuard is a budgeting app for people who want to be on top of their money. Personal finance is made simple by smart algorithms, which means budgeting with PocketGuard is so easy that you don't have to spend your entire life crunching numbers. We take care of all the routines like expense tracking and bill monitoring so you can clearly focus on money management operations. Always know what's in your pocket! A budget is a difference between income and expenses. If it's positive - you're doing well. In any other case, the budget is unbalanced and needs attention. This is where the "Leftover" feature takes action. How much disposable income do you have after paying your bills, saving for your goals, and setting aside enough money for needs and wants? The PocketGuard budgeting app does those calculations for you! Always know the actual safe-to-spend amount so you can fit your monthly budget. Comprehensive analytics! Budget and expense tracking are just a part of the story. If you wanna do money management the right way you need to learn from the data you track. PocketGuard's budgeting app provides you with various reports to let you see personal finances from different angles. Learn about your spending habits, make necessary adjustments, and optimize your monthly budget. Bill tracker and subscription manager! You can use PocketGuard as a bill organizer. Once you connect bank accounts the app starts working as a finance tracker. All your bills and subscriptions will be identified automatically and included in your monthly budget. The bill organizer will help you never miss the due date again. PocketGuard bill organizer gives you an easy way to negotiate better rates with your provider. So you can optimize your budget by cutting costs on services you use. PocketGuard subscription manager will help you to find subscriptions you might have forgotten about. This is another money management trick - stop paying for services you no longer need. Set and reach your financial goals! Goals are a key concept of budgeting. As was mentioned before, expense tracking is just a part of the story. Personal finance is made of goals. Let's say you want to spend less on shopping or save more for vacation. These are financial goals. The PocketGuard budget app gives you all the necessary tools to set them properly. Set up your debt-payoff plan! Nobody's perfect and almost anyone has debt to pay off. The question is: do you have a plan? Connect all your credit and loan accounts and we'll show you the way to a debt-free future. Our smart algorithm calculates the most profitable debt repayment strategy so you'll save hundreds or even thousands by paying less in interest! BANK-LEVEL SECURITY We use the same 256-bit SSL encryption as all major banks to ensure your sensitive information is safe and sound. The PocketGuard app also uses PIN codes and biometrics, like Touch ID & Face ID, as an additional security layer. PocketGuard connects to U.S. and Canadian financial institutions only. PocketGuard Plus subscription lengths and prices: Monthly - $12.99* / month Annual - $74.99* / year Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice. If you choose to purchase PocketGuard Plus, payment will be charged to your iTunes account. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Auto-renewal may be turned off at any time by going to your settings in the iTunes Store after purchase. Any unused portion of a free trial period will be forfeited if you purchase a different subscription plan. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/

Screenshots

Reviews

  • No paying through the app store.

    1
    By Lookinforajob
    You folks do this to make it impossible to cancel.
  • Cancelling

    1
    By CaptainFatDaddy
    Just way too complicated
  • Future Money

    3
    By BDButler
    If only they would add the ability to see how much money I’m gonna have left next week, next month or a year from now.
  • Couldn’t create an account

    1
    By James41071
    Kept saying error.
  • Ok but no free tier. Predatory.

    3
    By ADJ____
    Tried it and enjoyed it, but kept pushing me to pay despite the fact that many apps similar have a free tier. Tried to log back in and didn’t get in unless I paid money. Be upfront about that dude.
  • Number registration fails

    1
    By Dhhhhug
    Number registration fails. Why brother creating an app and then put a complicated registration on it? Complicated in the sense it is easy for users but fails also. Glad it failed not doing business with a company like this. Don’t even download this… use excel.
  • TLDR - There are way better options, like Monarch.

    2
    By Fush47
    When Mint went EOL, I, like many others, migrated to PocketGuard. I find budgeting very difficult and Mint worked extremely well for me. I read that PocketGuard was the most similar, and they have released updates that made it more similar. UNFORTUNATELY, PocketGuard has several fundamental flaws that make it so irritating to use that I stopped using it entirely and my finances suffered as a result. I’ll start with the good. The good: you can set budgets and roll them over into the next month. This rollover feature was not an offering when I started using it, somehow. You can also now set rules to categorize transactions automatically which was not the case when I started using it; I initially had to recategorize every individual transaction if PocketGuard thought it belonged in a different budget. (This is still the case if the payment issuer name changes but I can’t really fault them for that.) The bad: one of pocketguard’s selling points is its bill tracking feature. Unfortunately, this feature is actually a drawback, as whenever PocketGuard says something is a bill, it breaks it out from your budget entirely and does not let you set a monthly budget for it. This is fine for rent, but it is utterly broken for things like quarterly water bills, when the app says “scheduled for [month]” and does not count a portion of that quarterly or yearly bill towards your monthly budget. Instead, when you hit that month, suddenly you’re completely over budget because your entire quarterly water bill or annual Strava subscription or property tax is counted towards that month alone. Many times I tried to figure out a way to make this feature work for me, but it just does not. It is also a pain for the purpose of tracking things like streaming subscriptions, because even if you set an entertainment budget and categorize Spotify as entertainment, the app then DOUBLE COUNTS that recurring payment as a) a bill and b) part of your set entertainment budget. It also does not automatically deduct recurring payments such as these from your budget so that you can easily see the actual amount you have free to spend. Most of these issues have been immediately fixed for me by moving to Monarch instead. I only wish I had done so before my annual PocketGuard subscription had pinged.
  • Debit card account

    3
    By therisle
    Hey is it possible to have my debit card automatically sync rather than me having to always approve the login on my card when I open the app?
  • Amazing

    5
    By DerrickTWilson
    This is an amazing app. Allows me to categorize all of my spending and get to a lower level of granularity using hashtags. Using the graphs I can easily pick up trends and change my spending habits. Buy it for life, and start spending and investing wisely.
  • Awesome sauce

    5
    By DaLukeSterr
    Awesome program. It took me about a year to get my finances sorted, but it is really helping me stick to a budget and pay off my debts. I’ve been wanting to stick to a budget for most my life and never been able to commit. But I’m finally doing it thanks to PocketGuard!!! It is very easy interface.

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