Know where your money goes to control your finances
Spend less than you earn, achieve financial dreams, and experience a brighter financial future.
Your budget. Your life.
Explore the tools designed to help you achieve financial peace and security.
Know what's safe to spend
The "In My Pocket" feature calculates how much disposable income you have after setting aside money for bills, goals, and necessities. No more guessing if you can afford that dinner out.
See how it worksNever miss a bill again
PocketGuard automatically identifies your recurring bills and subscriptions, organizes them into a clear list, and even helps you negotiate lower rates to save money.
Track your billsUpcoming Bills
Reach your goals faster
Set up automated savings goals. We'll help you figure out how much you need to save each month and automatically deduct it from your 'In My Pocket' calculation.
Start savingEmergency Fund
Still using spreadsheets?
Connect to 18K+ financial institutions using two data connectors and sync transactions in real-time. Track property value and analyze your net worth to see your entire financial situation in one place.
Learn MoreLower Your Bills
We negotiate with your providers to get you better rates on cable, internet, and cell phone bills.
Spend smarter and live better
Make informed decisions based on the spending insights available in PocketGuard. Understand your cash flow and net worth, track your expenses, and project a surplus at month end.
Feel our value
"The app's easy-to-use interface, accessible pricing structure, spending alerts and recommendations make it excellent for improving your finances. That's why it earned a spot on Forbes Advisors' Best Budgeting Apps."
"Launched in 2014, PocketGuard is highly automated, which means it requires less time and effort than many competing apps do. You'll be able to set up your account in just a few clicks, and in our testing, keeping the app up-to-date only took a few minutes a day."
"If you find yourself constantly spending too much, an app that helps you easily understand how much money can be spent without having to build up credit-card debt is key. PocketGuard's In My Pocket feature is designed to do just that..."
Everything you need to optimize your finances
Net Worth Tracking
Monitor all your assets and liabilities in one dashboard to see your true financial picture.
Cancel Subscriptions
Find forgotten subscriptions and cancel them directly from the app to stop wasting money.
Debt Payoff Plan
Create a customized strategy to pay off credit cards and loans faster while saving on interest.
Fraud Detection
Get instant alerts for suspicious charges or duplicate transactions to protect your accounts.
PFM Course
Access our Personal Finance Management course to learn better money habits and strategies.
Bill Payment Tracker
Never miss a due date. Track all your upcoming bills and know exactly what's owed.
Why users switch to PocketGuard
The Benefits
- "In My Pocket" calculation makes budgeting idiot-proof
- Connects to 18,000+ banks and financial institutions
- Automatic bill negotiation and subscription cancellation
- Offers a rare "Lifetime" subscription option
- Excellent replacement for former Mint users
Things to Consider
- Free version is very limited (requires Plus for full value)
- Less focused on complex investment portfolio tracking
- Custom categories require a paid subscription
Simple, transparent pricing
Start for free, upgrade when you're ready to unlock advanced features.
Basic
- Link bank accounts
- Track net worth
- Basic budget categorization
- Custom categories
Plus
- Everything in Basic
- Unlimited custom categories
- Debt Payoff Plan
- Export data & track cash
How PocketGuard compares
| Features | PocketGuard | YNAB | Monarch Money |
|---|---|---|---|
| Core Approach | "In My Pocket" (What's left to spend) | Zero-based (Give every dollar a job) | Cash flow & Dashboard tracking |
| Learning Curve | Very Easy (Automated) | Steep (Requires dedication) | Moderate |
| Bill Negotiation | Yes (Built-in) | No | No |
| Lifetime Pricing | Yes (~$79.99 one-time) | No (Monthly/Yearly only) | No (Monthly/Yearly only) |
Trusted by over a million users
"PocketGuard has been a really helpful tool in understanding our family expenses. Syncing is smooth now and the categories and tracking are easy or manage. The extra functionality has been well worth it."
"Was bummed when mint went to credit karma and lost most of the budgeting features. Pocketguard has been a perfect replacement and very fairly priced for a lifetime sub"
"I have been using PocketGuard since 2020. I am able to keep track of everything. Awesome app."
"I've always been a Mint user but found PocketGuard and haven't skipped a beat! Really like the functionality of this app with the best support team!"
"Been using this daily for the past few months. It's changed the way that I think about and handle my money. Support has been super helpful, updates are frequent, and the app has an incredible feature set."
"I've used so many budgeting apps, and this is the first one that not only allowed me to understand my spending but also me to change my habits!! I swear by it."
Improve your life using budgeting
PocketGuard is an all-in-one platform that brings together everything you need to optimize your finances. Join thousands of families using PocketGuard to achieve financial peace and security.
Sign Up NowAffiliate Disclosure: This is an independent promotional review page. The official logos, trademarks, and UI screenshots belong entirely to PocketGuard, Inc. We may earn a commission if you sign up or subscribe through our links, at no extra cost to you. Pricing and features are subject to change by the official provider. Please visit the official website for complete terms and privacy policies.
