PocketGuard - Budget App
Plan Budget, Track spending
How much does PocketGuard - Budget App cost?
Prices are current as of 3 Oct 2026.
7 subscriptions from $2.99
In the United States, PocketGuard - Budget App has 7 subscriptions priced $2.99 – 74.99. It comes with a 7 days free trial.
| Subscription | Period | Price |
|---|---|---|
| Weekly offer with 7 day trial | WeeklyTrial: 7 days | $2.99 |
| PocketGuard Plus | Monthly | $4.99 |
| Monthly subscription | Monthly | $4.99 – 7.99 |
| Monthly Subscription | Monthly | $12.99 |
| Monthly Subscriptions | MonthlyTrial: 7 days | $12.99 |
| PocketGuard Plus | Annual | $34.99 |
| Yearly Subscription | AnnualTrial: 7 days | $74.99 |
See what PocketGuard - Budget App costs in all 3 countries →
10+ alternatives to PocketGuard - Budget App
| PocketGuard - Budget App |   Budget app - spending tracker |   Monarch: Budget & Track Money |   Expense & Budget App: Spendee |   YNAB |   Buddy: Budget Planner App |   Copilot: Track & Budget Money |   Bills Organizer & Reminder |   Goodbudget Budget Planner |   Quicken: Budget & Track Money |   Honeydue: Couples Finance | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.5 | 4.8 | 4.9 | 4.7 | 4.8 | 4.7 | 4.8 | 4.7 | 4.6 | 4.5 | 4.5 |
| Reviews | 8.3K | 130K | 117K | 105K | 79K | 58K | 30K | 27K | 18K | 12K | 10K |
| Released | 2015 | 2020 | 2020 | 2013 | 2015 | 2014 | 2019 | 2018 | 2011 | 2019 | 2016 |
| Monthly price | $4.99 | $2.99 | $14.99 | $5.99 | $14.99 | $4.99 | $13.00 | — | $6.99 | $7.99 | $4.99 |
| Annual price | $34.99 | $5.99 | $99.99 | $28.99 | $109.00 | $34.99 | $95.00 | — | $59.99 | $84.99 | — |
The going rate for each plan in United States, in its own currency, shaded from the cheapest price on the row to the dearest. Plans fewer than four in ten of the priced apps sell are left out.
PocketGuard - Budget App reviews
4.5 out of 5, based on 8,346 reviews.
What people like
- Very easy for beginners to use
- Lifetime payment option available once
- Helped spot credit card fraud quickly
What they complain about
- Bank connections often fail to sync
- Customer support is slow and unhelpful
- App crashes or freezes frequently now
- Hidden charges after deleting the app
Charged me for a subscription i didn’t ask for
I downloaded the app, tried it out for free, let it look at my spending, then deleted it 10 minutes later. I never requested a subscription because I was comparing apps. Later, while reviewing my finances, I saw a charge for the app after I had deleted it, so I had to download it again, but it said I have no active subscription. The AI chat support said to simply request a refund from Apple, but I shouldn’t have to do that for a faulty charge.This seems very sketchy.then answered my review stating that i probably did a free trial and forgot to cancel. If that were true then there woukd ve an active subscription. The apo says no active subscription and i know that i did not do a free trial. It was not worth a free trail just from looking around the app for a few minutes. Im not askinf for a refund because it was just $12. I am warning other users not to put their bank info in this app. I see many other 1 star reviews saying the same thing so its not an isolated incident.
The Decline of an App
I’ve been using this app for the past few years and it has gotten worse with each update. Removing the ability to easily compare spending among categories between the current and past months was the final straw. To make matters worse, the insight section that replaced it is unintuitive and isn’t even completed. Why release an update when 2/3 of the tools aren’t even completed? It’s sad to see a great app slowly decline and become unusable.
Best budgeting app I have ever used but why is there no light mode???
thank you for making my life easier when it comes to managing finances.. one complaint, in the age of ai, there should not be a single reason to not offer both light and dark mode. Light mode is super helpful for visibility in certain conditions. Please. Learn from Apple’s wallet app!
Execution isn’t good, predictions inaccurate, not worth it
I’m coming from YNAB so I’m a little spoiled. But PocketGuard is cheaper since they have the lifetime subscription, if it wasn’t for that I wouldn’t have gotten it. I’m guessing that’s why they have the lifetime option because it tricks you into thinking you’re getting a good deal when you’re just getting a subpar app. With YNAB I paid basically $100 a year BUT the goal is to save money, right, so you have to cut spending anywhere you can, UX/UI is a luxury so I ditched YNAB after 10 years with them. I’ve played around with other apps and even excel spreadsheets. I got this because of all the overselling of the features especially the prediction feature. But I’m mostly just tolerating this app. My biggest gripe is that their big selling point the Plan feature (where you can get an estimate of what will be leftover or how much income/expenses are predicted) only works if your income and bills transactions are precisely the same each month. So if your paychecks are different amounts well then you can’t trust the numbers. Same with your expenses, if your utility bill is going to be up $100 this month well PocketGuard doesn’t know that so good luck making any smart predictions. I used to have an app that went away called Prism and that app actually connected to all your bills so it actually knew exactly what amount they would be. I miss those days. Seems like a small ask: Just tell me the exact amount of my upcoming bills please. Insights are okay but my banking app already does that with the pie chart of your expenses and stuff. So not a feature I *need* to pay for. The Rules setting needs UI improvements—it’s not visually friendly to use, it looks like some backend stuff with the if/then statements, nobody wants to think about if/then statements. Also whatever tool they use the pull in the transactions could use improvement with naming conventions and how it categorizes stuff, I know that’s case by case basis but nobody gets a budgeting projection app wanting to edit every single transaction. My Amex card always thinks my account is being hacked whenever PocketGuard pulls transactions. Here comes another annoying notification… Overall I’m underwhelmed and feel like I have no use for this thing aside from the fact that it combines spending across different accounts but I’m thinking about simplifying my life to one or two cards max anyway and at that point this app will definitely be useless to me. At this point I’m hoping they improve and that lifetime members are grandfathered in, worse case I’m out $140 and sticking to my banking app because it does the same thing for free
Sync Reliability Lacking
The app is fantastic for budgeting; however, I’ve had recurring sync issues with my financial institutions. Sometimes the app fails for sync for weeks at a time, which prevents me from properly tracking my expenses. The team unfortunately never advises customers that they are having issues, so in the meantime you’re trying various fixes until you contact support and they tell you what’s happening. One issue that I have is that if you delete a financial institution, it also deletes all previous transactions associated with it. You don’t have the option to keep previous transactions. So, if you ever change banks or if you need to delete and reconnect a bank (due to sync issues), you lose everything and have to redo it manually. So, for long term budget tracking and planning, this app is less than ideal cuz you cannot retain reliable data over a number of months without the system somehow screwing up.
Great App
PockerGuard is easy to use and a simple way to track expenses
Update makes it unusable
This used to be such an amazing tool. I was easily able to see what I was spending in each category and compare month to month. With the newest update, every time I click on the breakdown of categories, the app forces closes. There’s no way for me to tell what I’m spending in each category. I also can’t compare categories month to month.
Overall great experience
I’ve been using pocketguard around 6 months now. While there have been some sync issues on occasion they have always worked themselves out. Recently, I’ve had an issue where I have lost a couple transactions on the same day. Aggravating, but not a show stopper. I do love some of the new features though. Only thing that worries me is that once new features are added, that’s when i see little bugs start showing up. Overall, Pocketguard is a nice tool to monitor your spending with. It would get 5 stars if it weren’t for the little quirks that occasionally arise.
So many bugs
This app is way more worse than two years ago. A lot of issues including not able to set my default not counting credit card payment, reset all my previous split transactions
Slow and clunky
This app used to be quite snappy. Somewhere in the last couple of months, likely when the Pace feature was introduced, that all changed. UI interactions are slow, the app freezes for seconds at a time, and there’s been no improvement despite opening tickets with support.
Mind blowing
I’ve found this to be an extremely helpful budgeting and expense tracking app ever since purchasing it a couple years ago. Definitely worth the month. But the most recent update with the Insights tab has actually blown me away! Somehow this visual representation and the ability to slice and dice info in different ways takes this app to a whole new level. Amazing and wonderful. Definitely helpful and worthwhile for anyone who wants insight into their finances.
August 2026 update
Huge downgrade in UI. Went from a simple budgeting tool to an over analytical version. I subscribe to the KISS method. This recent update will make me cancel the subscription and get a different app.
Good budget app
I like the app in general, it is not yet at the level of clarity and user friendliness as what Mint used to be. I do love the option of 1 lifetime payment rather than monthly fee.
Great concept- terrible customer service
Had high hopes for this app as I like the easy adaption but I was unable to log in on my laptop to my account as it would only clock and I was also unable to get my joint accounts with my husband as primary integrated into the app. Emailed several times for customer service assistance with screenshots but went days without a response and no help. I feel like a simple call would have rectified this but going back and forth by email for weeks isn’t helpful. Will be canceling the app and requesting a refund from Visa due to lack of customer support.
Future Money
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.
The frickin new 5.20.1 update
Let’s go!! Finally, PocketGuard is getting with the times and giving us more analysis tools in the app. I’ve been using this app faithfully for over a year and it’s been sooo simple. Almost too simple. Since I’ve had it, in order to really analyze data I’ve had to export it to excel and make charts and stuff from there. Glad the goons who made this app are figuring out how to code this thing better. Probably with Claude lol. Now just stop locking months when they’re done. If people are too dumb to not mess up their finances after the months over, that’s not your problem. But it’s annoying the heck out of the rest of us. Keep adding cool gadgets, fellas.
Update Insufficient
The new insight tab is not intuitive. I’ve lost the ability to easily compare expenses month to month. The transactions are not accounting correctly. And only 1/3 of the features are releases. I will have to consider finding a different app to meet my needs
Good for Canadians
Good app all around however they need to link more accounts/institutions like Rogers Bank.
Security Concerns
Within a week of opening my account, I received a security alert ping from one of my credit cards due to potential fraudulent activity. Additionally, they use Billshark to offer bill negotiation services, but that 3rd party service is very challenging to cancel. Finally, the app doesn’t offer a great layout for all of your finances if you split bills with other members of household , and makes it difficult to track transfers between accounts. Would not recommend.
Ok but no free tier. Predatory.
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.
Love love love!!
Excellent app for managing my finances. Keep the updates coming. I wish the team at PocketGuard all the best and hope they continue to grow. 💗
Billing issues
Even when I canceled they keep charging, support is helping
Great for Canadians except CIBC
Hello team, I love this app, as my RBC bank accounts syncs seamlessly. It’s CIBC (Costco Mastercard) that I have to continuously manually sync them, as it says sync issues. If this can be resolved, I’d be a 5 star for me.
TLDR - There are way better options, like Monarch.
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
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?
Good money management tool
Continuous improvements and changes; takes input and feature requests.
Inoperable
I’ve had this app since 2021 and used it daily for budgeting. In the last year, the app started by not being able to connect with my credit union anymore. After several weeks, they told me they could no longer support my credit card connected to my bank. I was so committed to this app, I actually moved all my purchases to my AmEx. In the last month, the app stopped communicating with my AmEx. After about 3 weeks, they told me they could no longer support my AmEx. Ok, I get a small credit union, but my AmEx?! I signed up for a different app and bam! Immediately connected to my credit union and AmEx and haven’t had any issues. I had a lifetime membership and they told me to get a refund from Apple. Apple says I’m not eligible. Disappointed all around…
Solid financing app
Very intuitive app for tracking expenses, I was struggling to understand where my money went so I made a daily habit of categorising my expenses on PocketGuard, which is now able to give me a very useful overview of my spending. If you have no clue to what do, PocketGuard also has a savings “tutorial” which explains the basics of finances. There’s also a pretty generous trial period, once mine expires I’ll be buying the app as it’s already helped me significantly
Syncing problems
I loved the app at first and purchased the year subscription. It’s been pretty useless the last few months because it hardly ever syncs and when it does it sometimes misses transactions. I’ll go to refresh my accounts and it just continues to stay on the same old date. I have reached out but there’s been no solution. I have my TD and Tangerine accounts attached. With TD it’ll be accurate for some accounts and not be refreshed or accurate for others. Tangerine was working fine for months but stopped refreshing a week ago. I have unlinked and relinked the accounts, nothing. Overall, an excel is easier to manage because it’s more predictable
No Support
Communication/Support non existent
Perfecto
Gmgood app
Misleading subscription
While I understand it is my job to read the fine print, the app marketed their subscription prices month by month, however charged me for a whole year. Disappointed that an app made to help you budget and manage your subscriptions, marketed their subscription in a not so clear/transparent way.
Synchronization with bank accounts very unreliable
I’ve been using this for about a year, more recently I’ve noticed that some transactions just don’t synchronize over into the app leaving an inaccurate view of how much has been spent throughout the month. I’ve tried synchronizing and even removing and adding the bank account. The sync status shows the most recent date, and even total account amount is accurate however the transactions are not loaded and don’t reflect in the budget. This has really made me lost confidence in the app, it can no longer be used to show if I’m on target for spending. There has also been several back to back updates recently and I have been forced to re-authenticate to each of my bank accounts 6-7 times in the past few weeks.
Sometimes works.
They use Plaid to link to your bank. That often doesn’t work and they don’t have good support so expect a few days of aggravation before this app might eventually work for you. Customer service is good. I got screwed because they used Plaid and Fincity to sync and my bank lost support. I paid a lot for lifetime support and now it’s not working. I might switch banks because I do like PocketGuard.
Finally Workong
Finally seems like the connection issues are fixed. Hopefully it stays that way. I much prefer this app over any other I have tried.
This app is only free to download
Once downloading the app there is no way around a paywall. Where they want you to sign up for a free trial of their premium services. I just wanted the free plan. Thanks for nothing.
Brutal continuous connectivity!
Connected 3 different banks, none of them will refresh over days or weeks. The app is great when you first set it up, you see all of your accounts, but it will never update and will just be a snapshot in time. Reached out to support on many occasions, they just deflect blame to the institutions (all three of them, come on now…)
Synch issues
The layout is pretty good but misses the mark on being able to review your past months as a whole. The big issues are connectivity.. sadly it’s in and out. That makes it hard to rely on. I’ve been using this a few years but am shopping around for a replacement after poor bank connectivity and missing transactions.
Heaven sent
Pocket guard is literally heaven sent, haven’t been able to steward my finances well until I got this app. Makes beginner budgeting and expense tracking and goal setting so easy! I download/tested like 5 other of the “best apps” and PocketGuard was clearly the best, easiest set up, clear dashboard, and visually smooth , very good insights even helped us catch fraud on credit card to quickly put a stop to it. The best app ever
Trial Subscription Cannot Be Cancelled
Beware!! This app does not show up as having a subscription in the AppStore settings, so the free trial cannot be cancelled!!! This is horrible!
I’m doing too much manual entry for a paid service
I’ve used the app for a year now using the paid subscription. I’ve had many issues with connection to my external institutions, have requested help from the support team. Their response was often that they are aware of the issue and they have no tentative target for when it can be solved. Sometimes when the link had broken to the bank, they would recommend to use plaid. There were several of my banks which could not connect at all to PocketGuard through any service. Sometimes the after connection issues which lasted several weeks, the support team would recommend to add using another service, which would add the bank a second time and duplicate all the transactions but under a different name, defeating the purpose of having detailed history tracking. I’ve resorted to creating a couple of my banks as “cash” accounts, and manually entering every transaction I make to keep everything balanced. Overall very unsatisfied with the service, wish I could get my money back, and I don’t recommend PocketGuard to friends who seek budget tracking.
Alright
Great that it connects to accounts, but often have trouble with consistency when it comes to transactions refreshing.
Fantastic
Awesome app, best one I’ve ever used for money management. Question to developers: when you click into Net Income from the dashboard page, you are shown your income vs spending breakdown for each month, which is great. When you select a month, and click into Spending, you are then shown a list of your transactions for that month. Any chance we can get this broken down by budget/category first? Then the level below that can be transactions?
Unfortunately
I would give a better review if the app would allow me to access it, instead all I get is “suspicious ip address”
Doesn’t work
Despite being listed as an approved institution, the bank was unable to synchronize with the app. Additionally, I encountered difficulties in changing the Authenticator to Plaid, as outlined in their FAQs. The customer service response was extremely delayed, and the trial period concluded before the app demonstrated functionality. Overall, the experience was highly unsatisfactory and resulted in a significant waste of time. To the developers, if you are confident in the product’s capabilities, it would be prudent to extend the trial period to allow for a thorough evaluation, particularly considering the nature of the budgeting app, which typically requires a month to complete a full cycle.
Great App…but
I really like this app and have given it ago alongside another similarly reviewed app, but the other app wins due to the lack of iPad/Mac/Web.
PocketGuard - Budget App price by country
A weekly subscription costs $1.96 in Canada and $2.99 in the United States — 1.5× more for the same thing. Below is the going rate for each plan in every country that sells it — the middle price of what the app charges there, in the country's own currency with the dollar equivalent beneath it.
| Country | Weekly | Monthly | Annual | One-time |
|---|---|---|---|---|
| Canada | CA$2.79$1.96 | CA$6.49$4.57 | CA$49.99$35.20 | — |
| United Kingdom | £1.99$2.63 | £6.99$9.25 | £59.99$79.35 | £69.99$92.58 |
| United States | $2.99 | $4.99 | $34.99 | — |
PocketGuard - Budget App FAQ
- Is PocketGuard - Budget App free?
- Yes. The app and its basic features are free, in all 3 countries it sells in. Premium features are paid: they start from $2.99 (US), across 7 subscriptions.
- How much does PocketGuard - Budget App cost per month?
- Monthly Subscription is $4.99 – 12.99 (US). The annual plan works out cheaper per month: $34.99 – 74.99 a year.
- Does PocketGuard - Budget App have a free trial?
- Yes — a 7 days free trial (US).
- Where is PocketGuard - Budget App cheapest?
- A weekly subscription costs CA$2.79 (≈$1.96) in Canada and $2.99 in the United States, its cheapest and dearest countries.
- What are the best alternatives to PocketGuard - Budget App?
- Budget app - spending tracker (4.8 from 129,794 reviews, premium from $2.99), Monarch: Budget & Track Money (4.9 from 117,330 reviews, premium from $14.99) and Expense & Budget App: Spendee (4.7 from 104,851 reviews, premium from $3.99).
PocketGuard - Budget App download
Last updated 8 days ago.
PocketGuard - Budget App sells in 3 countries. It was released 11 years and 9 months ago, on 7 Jan 2015. It holds a 4.5 rating from 8,346 reviews.
Supports 1 language: English.
How much does PocketGuard - Budget App make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.
Revenue by plan
- Monthly 60%
- Annual 33%
- Weekly 8%
- One-time 0%
Revenue by country
- United States 94%
- Canada 6%
- United Kingdom 0%