PocketGuard・Budget Planner App

• Free to download
• In-app purchases

Last verified 31 Jul 2026

4.6 7653 ratings · App Store

1. 5/5The BEST budgeting app out there

   Can I just start off by saying I downloaded and tried using so many budgeting apps. I did lots of research to find the best rated apps and tried them all. I found this app and I will never look back! I needed a budgeting app that would track my spending, track my savings goals, and clearly show me where I was going over. This app does it all. I also do a lot of transferring money from one account to another, I’ve had trouble tracking this on other apps. PocketGuard let’s you easily hide transfers so they don’t confuse your budget. Same goes for credit card payments or other random charges I don’t want counted towards my spending or savings goals. The app also gives you a breakdown of your month with pie charts and statistics. It also lays out all the information I need in a clear way that makes it easy to understand. My husband and I both love this app and plan on using it for many years to come.

   ehoov5 · 31 Jul 2026

2. 3/5Clunky but effective

   The app overall is great and their customer support is quick to respond. I love that it helps get basic budgeting answers done. My biggest problem is the lack of compatibility with other banks. For months, my Marcus accounts refused to sync, and even though Pocketguards customer service was responsive, the issue took literal months to fix. Everything worked fine for another two months, and then my local bank stopped syncing, and the customer service gave me the same response. I appreciate the communication and hard work, but when your banks constantly don’t sync with the app, the app becomes ineffective. Whenever the app finally reconnects to my bank, I’ll have to go back and play catch-up on all my transactions while operating in the dark in the mean time. Now, with this happening twice, I’ll just be paranoid when the next time one of my banks no longer syncs up with PocketGuard. Again, it’s a good app, so maybe I’m just unlucky, but when your app doesn’t sync with the banks, it becomes pointless, especially when you spend a large chunk of money on the app itself.

   Upton21 · 31 Jul 2026

3. 3/5Could use more features but it's the best I've found so far

   Works way more simple than rocket money, ynab, etc. does and I have TWO jobs which means, have you guessed it? TWO sources of regular income. the biggest reason I got rid of the other budgeting apps I tried out was because you couldn’t have more than one scheduled repeatable income source, which means my projected weekly budgets were not correct and I had to mentally remember to add the income from my other job to every budget because inevitably all the budgets would end up projecting negative amounts in them because half of my income was missing. it’s nice that this app lets me have both of my jobs. However there are two issues I have with this app: 1. this app doesn't have a calendar function. I really like when the budgeting apps have a calendar built into the app so you can open it and visually see what your bills are going to be for that week with your projected income to see if you'll have enough money. A basic check list of my upcoming bills is about as useful as me writing out a list of my upcoming bills on paper which obviously didn’t help me much or I wouldn’t have bothered downloading an app. 2. There’s not an option for a light theme. I cannot stand dark themes, I personally find them annoying and difficult to read because I keep my screen brightness down fairly low to avoid eye strain and conserve battery making it irritating to try and navigate around a dim black phone screen.

   HonestlyVala · 31 Jul 2026

4. 3/5Useful for month-to-month budgeting, but not much else

   I switched to PocketGuard after Mint closed down, and had high hopes for the app. Indeed their basic month-to-month budgeting tools function well, can be automated to a decent extent, and provide useful insights about where you are in the month. The two issues that have caused me to stop using the app are as follows: 1) While their institutional syncing works well on the whole, if you do have an issue it puts all of your past transactions - all the work you did to categorize and name them - in jeopardy. For example, when my credit card number was switched due to fraud, it created a duplicate account and the “old” account lost all of its categorizing and naming data which I had worked on over the months. This happened again with a separate syncing problem. Which leads to my second issue… 2) The retrospective analytics are not very robust to begin with - you cannot “slice and dice” your data to the extent you could with Mint or other services - but that becomes a moot point when your data is often being reset in the first place. For myself, half the point of using an app like this is to have analytics to look back on, discover trends, and answer specific questions (eg how much did I spend on rent back in 2022?). Without great analytics to begin with, and without faith that my data would be preserved over time, the app only becomes useful for month-to-month, in the moment budgeting. Which, as I mentioned above, it does excel at to a fair degree.

   The Kitchen Crew · 31 Jul 2026

5. 5/5Best on Appstore IMHO

   In my humble opinion this is the best free Budgeting App on the Appstore, as I have tried basically all of the other popular free budgeting apps available. I specifically appreciate the bank account sync feature which not only syncs with my bank but also syncs my Checking, Savings, and Credit Accounts (it is a day behind in terms of sync updating but that is not an issue for me). I also appreciate the separate management of bills/utilities/subscriptions, income, transfers between accounts, and other transactions. The transaction sorting and tagging are very easy to use and actually help with tracking transaction and money flow. The Insights page which provides a pie chart of spending based on your chosen budget categories as well as a line chart that tracks spending over the course of the month are extremely useful when comparing spending month-to-month and across categories. The one thing I would suggest as others have mentioned in their reviews is being able to edit budgets/transactions from previous and future months. But with that being said I do very much like having the dashboard, budget, and insight views being geared toward only showing one month’s information, being the month you are currently in. I highly recommend this app.

   Sofifi1234 · 31 Jul 2026

Privacy

Accessibility

No accessibility labels collected yet.