PocketGuard App Review for 2025

PocketGuard is a funds app that might be able to exchange your trusty spreadsheet. You’ll be able to hyperlink monetary accounts, set spending classes and add or tag recurring payments.

We downloaded and examined the iOS app and web-based model of PocketGuard to study in regards to the options and determine if it’s value it.

PocketGuard is a money-management platform with over 1,000,000 members. The free model enables you to do budgeting fundamentals, corresponding to:

PocketGuard Plus is the paid model that lifts limits on financial institution connections, money accounts and spending classes, plus provides premium options, corresponding to monetary objective setting, debt-payoff planning, subscription monitoring and extra.

PocketGuard’s declare to fame is to prominently show how a lot cash stays after you’ve accounted for all of your month-to-month bills. The function is known as “Leftover,” and it’s the quantity you’ll see on the prime of your dashboard within the app or on the net model.

Free model: You’ll be able to join and use PocketGuard free of charge instantly, however you will not have entry to premium options. Additionally, you may be restricted to simply two funds classes, which can be a deal breaker for some.

Paid model: You’ll be able to raise the restrictions and entry all options with PocketGuard Plus for $74.99 per 12 months or $12.99 monthly.

Free trial: You can begin with a free 7-day trial to check out the app.

Lifetime membership: Throughout our testing of the PocketGuard app on an iPhone, we famous a lifetime membership buy choice — that isn’t listed on the web site — of $149.99. We additionally acquired a proposal, on a number of events, to purchase lifetime entry to PocketGuard Plus for a reduced payment of $79.99 whereas utilizing the app. It’s a worthy deal when you think about 10 years of the annual subscription quantities to $749.90.

A funds app is simply pretty much as good as the data you place in. You’ll wish to monitor recurring payments, set spending classes and monitor transactions to get the most effective outcomes.

You’ll be able to automate the method by linking your checking, financial savings and bank card accounts within the accounts part of PocketGuard. The corporate companions with Finicity, Plaid and Apple Pockets to securely pull your monetary knowledge, in keeping with its web site. Linking accounts permits your stability and transaction knowledge to movement in and show robotically within the app, which makes it simpler for the software to detect revenue and recurring payments.

Alternatively, you possibly can create a money account to manually add and replace your financial institution stability after which log transactions as you make them. You’ll want PocketGuard Plus to hyperlink a number of financial institution accounts and/or create a number of money accounts.

Add payments: The app will robotically establish recurring payments you probably have your exterior accounts linked, or you possibly can add them manually within the “plan” part of the app or desktop website.

Set budgets: You may also use the “plan” part to set spending classes and limits for variable bills, referred to as “budgets” within the app. The free model of PocketGuard limits you to simply two funds classes. The app will show spending in opposition to every funds class as you make transactions.

Have a look at what’s leftover: With all of your deliberate spending accounted for, the app shows the projected leftover stability (estimated revenue much less payments and spending towards funds classes) at a look so that you’ll know the place you stand and may make changes as mandatory.

Particular options that assist you to set customized financial savings targets and design debt payoff plans are solely accessible to Plus customers.

Monetary targets may be helpful if you happen to’re saving for one thing like a automobile. Within the “targets” part, you possibly can enter a goal quantity, outline how a lot you’ll contribute every month and monitor progress over time.

Debt payoff may help you prioritize and visualize paying off loans, utilizing the favored debt avalanche or debt snowball methods. When you arrange a plan that features your mortgage stability, annual share price and month-to-month goal, the app will aid you set up your personal payoff schedule and make room for it in your funds.

Subscription monitoring is one other premium function, which the app does by analyzing your financial institution and bank card transactions. PocketGuard supplies cancellation directions you possibly can observe for undesirable subscriptions it identifies, however it doesn’t do the canceling for you.

Reddit is a web-based discussion board the place customers share their ideas in “threads” on varied subjects. The favored website consists of loads of dialogue on monetary topics like budgeting, so we sifted by way of Reddit boards to get a pulse examine on how customers really feel about funds apps. Individuals publish anonymously, so we can not affirm their particular person experiences or circumstances.

Reddit feedback present combined ranges of satisfaction with PocketGuard. Some posts point out customers worth the choice to make use of the essential model of the app free of charge in addition to the choice to buy lifetime entry as an alternative choice to an ongoing subscription. There are additionally nods to PocketGuard’s fundamental transaction monitoring and categorization capabilities. Alternatively, there are posts that point out customers have been pissed off with sluggish improvement and delayed function releases.