PocketGuard
PocketGuard: A practical choice for safe-to-spend guidance and debt planning across web and mobile. Ranked #8 of 181 in Personal Finance Software by our editors (8.5/10); pricing: Free plan · 7-day trial; best for safe-to-spend and debt planning.
At a glance
- Editor score8.5 / 10
- PricingFree plan · 7-day trial
- Best forSafe-to-spend and debt planning
- Free planYes
- Paid from$6.25/mo
- Net-worth trackingYes
- Facts checked19 Sep 2026
Where it wins
- Combines zero-based, envelope, rollover, and custom budgets
- Tracks bills, subscriptions, net worth, debt, and savings goals
- Available on web, iOS, and Android with CSV exports
Where it doesn't
- Advanced features require a PocketGuard Plus plan
- Account connectivity depends on Plaid, Finicity, or Salt Edge
- The monthly Plus plan costs more than annual billing
Our verdict on PocketGuard
PocketGuard is personal finance software for individuals who want to organize spending, build budgets, track bills and subscriptions, monitor net worth, and plan debt repayment. It connects financial accounts, categorizes transactions, calculates a safe-to-spend amount, and supports savings goals, spending insights, receipt attachments, and CSV transaction exports. Core features are available for free, while PocketGuard Plus adds advanced budgeting, account, transaction, and planning capabilities. The service runs on the web, iOS, and Android.
Budgeting is the product’s clearest strength. Users can choose custom, zero-based, envelope, or rollover budgets, then pair them with leftover-money calculations and a safe-to-spend figure. PocketGuard also supports recurring and upcoming bill tracking, subscription identification, automatic categorization, custom rules, and transaction filtering or editing. Net-worth tracking includes daily history, while debt payoff planning and savings goals add longer-term planning beyond day-to-day spending. These tools make it suitable for people who want a consolidated view of available spending money rather than a simple transaction register.
The free plan provides an entry point, and a 7-day trial is available for the paid tier. PocketGuard Plus Annual starts at $6.25 per month billed annually; PocketGuard Plus Monthly costs $12.99 per month; and PocketGuard Plus Lifetime costs $149.99 as a one-time payment. Paid plans include unlimited category budgets, recurring and upcoming bills, and transaction import and export, with the Lifetime plan adding premium budgeting and tracking features. Account connections use Plaid, Finicity, or Salt Edge. Pick PocketGuard if safe-to-spend calculations, debt planning, and broad budgeting methods matter most. Choose another tool if you need a free-only experience with advanced features included.
Your product? Our editors can test PocketGuard in depth and publish a review, labelled as paid · from $149/mo →
PocketGuard pricing
All 3 PocketGuard plans and prices →
PocketGuard fact sheet
| Free plan | Yes |
|---|---|
| Paid from | $6.25/mo |
| Budgeting tools | Yes |
| Bill tracking | Yes |
| Net-worth tracking | Yes |
| Account sync | Both |
| Report export | Yes |
| Mobile apps | Both |
| Free trial | 7 days |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Integrations | 3 integrations: Plaid, Finicity, Salt Edge |
| Pricing | Free plan · 7-day trial (source) |
| Website | pocketguard.com |
| Facts checked | 19 Sep 2026 |
PocketGuard integrations
PocketGuard lists 3 integrations on its own site.
- Plaid
- Finicity
- Salt Edge
Alternatives to PocketGuard
- QuickenA mature all-around finance suite with broad tracking, reporting, and account-update tools.9.3
- SoFiA broad free toolkit for budgeting, account tracking, credit monitoring, and financial guidance.9.2
- GnuCashA capable free desktop ledger for detailed accounting, budgeting, and investments.9.1
See all PocketGuard alternatives →
PocketGuard vs the competition
- PocketGuard vs Quicken
- PocketGuard vs SoFi
- PocketGuard vs GnuCash
- PocketGuard vs EveryDollar
- PocketGuard vs YNAB
- PocketGuard vs Monarch Money
Compare PocketGuard with any tool side by side →
Also Ranked In
PocketGuard is ranked in 3 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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