PocketGuard・Budget Planner App

• Free to download
• In-app purchases

Last verified 31 Jul 2026

4.6 7653 ratings · App Store

1. 5/5Going on 2+ years: you will not regret

   Let me tell you- all of the previous reviews are old. I’ve been on this app for the since 2019 & will honestly be here until I die. Hoping it lasts that long. 🙏🏽 I’ve been searching for a way to understand my spendings between categories, month over month & watching my budget. This is everything & more. I love the personalization that I can add my own catergories, mark a specific merchant as something once and never have to touch it again & even exclude things like transactions between my accounts. This is the app if you’re anal about how you spend your money & it even helps if I want to budget for let’s say shopping. I love it. Please note I am a premium user & to me it’s worth it. But I’m sure the free version is equally as good. The other apps mint, your bank, random ones only work if you have a goal. But for me, I want to know where, what & compare my spendings month over month so I can see how I’m doing. Or if I need to stop spending! Anyway highly recommend. And two last things- 1) they’re IT or support literally responds within 48 hours. You’re never left hanging and no question is stupid. 2) the app is constantly evolving. It’s not the same as it was two years ago, it’s better! If there’s a bug, report it! If you have a suggestion, suggest it! I love all the latest updates & it really helps me think of how I’m spending my money which was my ultimate goal. Thank you!!

   LiveLiv14 · 31 Jul 2026

2. 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

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. 4/5Not bad

   So I’m a very skeptical person when it comes to believing that the app is going to be true to not selling your information or gaining too much access to your bank account or even having to wonder if your money is safe but I went ahead and I put my account information and it was great. So I decided let’s do it again for my other bank account but my other bank doesn’t even exist in the system I thought all banks were going to be excepted but apparently not. So if there’s one thing I would like for the developers to change that would be it. The fact that they don’t have my bank in the system is kind of dumb. Ok now I know a lot of people probably haven’t even heard of my bank it’s probably something that only exists in my area but still I wish it would be in the system. I use Apple Federal credit bank and I typed it in but nothing showed up. So if you (the developers) could start adding some smaller branch banks in to the system that would be really helpful to linking my account and accurately being able to make a budget and use the app like it’s supposed to be used. But since you don’t have the bank that I use in the system I can’t really use the app like it’s supposed to be used for because after I got married it turned out that my primary bank account ended up being Apple not BB&T and it’s not in the system so how am I supposed to be able to use this app if I can’t link my bank account to get accurate numbers on my budget goals and spending allowance? So if you (the developers) could make that change to adding smaller branches into your system that would be more than appreciated and helpful. Thanks

   hvsiaqx · 31 Jul 2026

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