PocketGuard
Bank-synced budget app built around one number: how much is left to spend after bills and goals.
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- Alternatives ranked
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About PocketGuard
PocketGuard is a bank-synced budgeting app whose main screen answers one question: how much money is left to spend once bills, goals and planned spending are covered. It links checking, savings, card and loan accounts through Plaid, Finicity and Salt Edge, with coverage in the US, Canada and the UK, and keeps balances updated. You can budget with its own leftover approach or set up zero-based, envelope or category budgets, with rollovers, custom categories and transaction rules. It also tracks recurring bills and subscriptions, offers bill-lowering and subscription-cancelling tools, builds a debt payoff plan, and shows net worth and cash flow. Cash accounts and CSV import and export are supported for things that don't sync. It runs on the web, iPhone, Apple Watch and Android. Pricing is a single Premium plan with a seven-day free trial, sold monthly, yearly, or as a one-time lifetime purchase, which few apps in this category offer; prices on the pricing page are shown in your local currency. It suits people who want a quick daily check on what they can safely spend without planning every category. The trade-off is that there's no lasting free plan, the leftover number is only as accurate as your bank connections and recurring-bill setup, and it offers less hands-on planning than a zero-based method.
Best for: People who want a quick, automatic answer to how much they can spend today.
Pros and cons
What works
- A single leftover-to-spend number on the main screen
- Supports leftover, zero-based, envelope and category budgets
- One-time lifetime purchase available
- Debt payoff plan and bill and subscription tracking
Why people leave
- No lasting free plan, only a seven-day trial
- Leftover figure depends on bank connections and bill setup
- Bank coverage limited to the US, Canada and the UK
Top PocketGuard alternatives
See all 7- 1
Hunter Vault81.2Also centers a Safe to Spend number, but offline and without a bank login, with a free core app.
- 2
YNAB70.9Strict zero-based method that gives every dollar a job, for those who want more than an In My Pocket number.
- 3
EveryDollar68.4Free manual zero-based budget from Ramsey Solutions, with bank syncing in the paid plan.
- 4
Monarch Money66.0Fuller household finance app with shared access for partners, investment tracking and goals.
- 5
Rocket Money62.6A free tier for tracking subscriptions and spending, with optional cancellation and bill negotiation.
Why people left PocketGuard
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PocketGuard: common questions
Is PocketGuard free?
No, PocketGuard is a paid product. Lifetime plan: One-time payment (checked on PocketGuard's own site).
Is PocketGuard open source?
No, PocketGuard is not open source.
What platforms does PocketGuard run on?
PocketGuard is available for Web, iOS and Android.
What are the best alternatives to PocketGuard?
The highest-ranked PocketGuard alternatives right now are Hunter Vault, YNAB and EveryDollar. See the full ranked list for pricing, platforms and verified facts.