PocketGuard is built around one simple idea: showing you how much is safe to spend. Link your bank and credit accounts, and the app crunches your income, bills, subscriptions, and savings goals into a single number called In My Pocket. It's the figure that stares back at you on the Overview tab, resetting every month. Instead of guessing, you know exactly what is left after the essentials are covered.
And the way PocketGuard automates the boring parts makes it easy to stick with. Recurring bills are flagged on their own, so you never have to keep mental notes or chase due dates. I have always hated tracking those manually, so this felt like a relief. The alerts are timely nudges when you're close to overspending, and the rollover feature was an even bigger surprise. Last month's leftover dining budget carried into this one, giving me room for an unplanned night out without guilt.
The good thing is that PocketGuard is free for basic use. The Plus plan costs $13 per month for perks like unlimited accounts, custom budgets, and long-term debt and savings tracking.
Why we like it: PocketGuard shows how much money you actually have left to spend after bills and goals. The In My Pocket number updates in real time, helping you avoid overspending. It is simple, quick to use, and surprisingly effective for keeping day-to-day spending in check.
PocketGuard also helps you save money on bills. Through a partnership with Billshark, it offers to negotiate down cable or phone plans, taking a cut of what you save. I did not test this myself, but reviews suggest it works better for some providers than others.
Who it's for:
-People who want a no-fuss way to see daily or monthly spendable money
-Premium users who want integrated debt payoff plans and SMART savings goals
-Budgeters who benefit from rollover features to carry unused money into the next month
-Anyone juggling multiple subscriptions and looking for help managing or canceling them
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