PocketGuard・Money&Bill Tracker

PocketGuard・Money&Bill Tracker

By PocketGuard, Inc.

  • Category: Finance
  • Release Date: 2015-01-07
  • Current Version: 5.11.1
  • Adult Rating: 4+
  • File Size: 108.74 MB
  • Developer: PocketGuard, Inc.
  • Compatibility: Requires iOS 14.0 or later.
Score: 4.61359
4.61359
From 7,153 Ratings
Free On itunes

Description

PocketGuard is a budgeting app for people who want to be on top of their money. Personal finance is made simple by smart algorithms, which means budgeting with PocketGuard is so easy that you don't have to spend your entire life crunching numbers. We take care of all the routines like expense tracking and bill monitoring so you can clearly focus on money management operations. Always know what's in your pocket! A budget is a difference between income and expenses. If it's positive - you're doing well. In any other case, the budget is unbalanced and needs attention. This is where the "Leftover" feature takes action. How much disposable income do you have after paying your bills, saving for your goals, and setting aside enough money for needs and wants? The PocketGuard budgeting app does those calculations for you! Always know the actual safe-to-spend amount so you can fit your monthly budget. Comprehensive analytics! Budget and expense tracking are just a part of the story. If you wanna do money management the right way you need to learn from the data you track. PocketGuard's budgeting app provides you with various reports to let you see personal finances from different angles. Learn about your spending habits, make necessary adjustments, and optimize your monthly budget. Bill tracker and subscription manager! You can use PocketGuard as a bill organizer. Once you connect bank accounts the app starts working as a finance tracker. All your bills and subscriptions will be identified automatically and included in your monthly budget. The bill organizer will help you never miss the due date again. PocketGuard bill organizer gives you an easy way to negotiate better rates with your provider. So you can optimize your budget by cutting costs on services you use. PocketGuard subscription manager will help you to find subscriptions you might have forgotten about. This is another money management trick - stop paying for services you no longer need. Set and reach your financial goals! Goals are a key concept of budgeting. As was mentioned before, expense tracking is just a part of the story. Personal finance is made of goals. Let's say you want to spend less on shopping or save more for vacation. These are financial goals. The PocketGuard budget app gives you all the necessary tools to set them properly. Set up your debt-payoff plan! Nobody's perfect and almost anyone has debt to pay off. The question is: do you have a plan? Connect all your credit and loan accounts and we'll show you the way to a debt-free future. Our smart algorithm calculates the most profitable debt repayment strategy so you'll save hundreds or even thousands by paying less in interest! BANK-LEVEL SECURITY We use the same 256-bit SSL encryption as all major banks to ensure your sensitive information is safe and sound. The PocketGuard app also uses PIN codes and biometrics, like Touch ID & Face ID, as an additional security layer. PocketGuard connects to U.S. and Canadian financial institutions only. PocketGuard offers a premium subscription - PocketGuard Plus - which gives you access to additional features and is not required to use PocketGuard. PocketGuard Plus subscription lengths and prices: Monthly - $12.99* / month Annual - $74.99* / year Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice. If you choose to purchase PocketGuard Plus, payment will be charged to your iTunes account. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Auto-renewal may be turned off at any time by going to your settings in the iTunes Store after purchase. Any unused portion of a free trial period will be forfeited if you purchase a different subscription plan. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/

Screenshots

Reviews

  • Looking for a new budgeting app

    3
    By Never played guitar before
    I paid for premium and once my subscription period is over I think I’ll be cancelling this. I was looking for an app that could replace Mint and PocketGuard hasn’t held up for me. Pros: - You can create your own categories of spending budgets - You can rename merchants and transactions and reassign dates - You can keep track of reoccurring bills and whether you were charged Cons: - Biggest complaint and draw back: The app will show you how you’re doing in your own personal budgets you’ve customized DURING the month, but once that month is OVER you can’t see that data anymore. So if I want to know if I continually overspend or underspend in one budget, that info is gone. For previous months, it will show you broader categories in a pie chart and tell you your overall spending, but it won’t tell you how you did compared to what you wished to spend. I want to see a bar graph of my spending in each budget I created month after month and know which ones I’m overspending/underspending on to understand my habits. - Once you’ve grouped your budgets, it’s really unclear if the number at the top is your estimated total spending, or your actual spending for the month - It doesn’t always remember a merchant and a category I assigned it very well - it’s also bad at guessing what a merchant is (grocery, gas station etc.) - It’s difficult to “budget” savings into your monthly “expenses”. The app doesn’t seem to like assigning a positive balance to it. There is a goals function that you can use for savings but it doesn’t show in your monthly pot of money then. - I’ll reconnect the app to my Fidelity account and it works for like a month and then it looses a connection again. I finally stopped reconnecting it to those accounts.

  • MFA for PocketGuard

    4
    By toga434
    I’d like to see PocketGuard implement MFA (possibly authenticator enablement)

  • CONSTANT bugs. Save yourself the trouble.

    1
    By Joy9878
    I've been a user for 2-3 years and the app started off great. Over the past year and a half, they keep rolling out updates that consistently make the app function worse and worse. The sync to my bank is no longer working (it now picks up one account but not the other). It will randomly change the labels for my budgets. I'm not sure it's even worth keeping at this point. Save yourself the headache and choose a different app.

  • Our favorite free finance app

    5
    By Jimmyjrs1111
    My wife and I tried 4 other free finance apps (the one built into our bank app, Mint, HoneyDue, and I can’t think of the 4th), and this one takes the cake for us. The others were glitchy (HoneyDue), overly complicated and not customizable enough (Mint) or too basic for us (Bank), but PocketGuard offers a very clean and user friendly interface, while also doing all the things that we wanted our finance app to do. It is very customizable, and the notifications are timely and correct.

  • Has helped me a lot

    5
    By bexarroni
    I have had the app about 6 or 7 months and have really liked it. I’m an accountant and someone who checks my bank accounts every morning and my goal was to pay off my credit card debt. I’ve done that now and this has helped me do it. I always was someone who used to use excel or paper budgets but my issue was I would lose track because I didn’t want to carry my budget with me. I paid for the premium and I have a few different banks, a few incomes, and I love that you can edit the transactions. I noticed at couple months ago some of the bills were glitching a little but they updated it really soon after that and it has gone back to normal which has shown me that although there are sometimes little bugs they are prompt to fix them. I will continue to use this and do recommend it to people who are wanting to get more serious about managing money.

  • Getting better and better!

    5
    By Kaden D.27
    I recommend this app to everyone! They have taken my recommendations and included them in the app for instance adding an ability to roll over budgeted amounts to the next month. Every update gives more utility and usefulness. I love the fact that they have an option to outright buy it rather than continue to pay a monthly or yearly subscription and for that reason I am writing this review!

  • Spam email

    1
    By Ssolis007
    Don’t sign up. They will bombard you with spam email and will make you click at least 20 options just to stop.

  • Bait and Switch

    1
    By GolfMom77
    I assumed there was a free aspect to this but once I got to the end of the steps, I had to choose a plan, paying for it. Either make the app free, or make the app be purchased. Now I have wasted time trying to use an app that I cannot financially afford right now.

  • Could use more features but it's the best I've found so far

    3
    By HonestlyVala
    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.

  • App stopped working out after I already payed for the year. I’m still waiting on a refund.

    1
    By Bell3xOx0
    I was excited to use it at first. And it worked perfectly well. Then it starts having syncing issues, shortly after I’ve already purchased the year subscription. According to support, the app is incompatible with my bank. Something I was not told, even though I hadn’t had any issues prior. I was unable to use the features promised for months. And when I contacted support about the issue and requested a refund. I was told to contact Apple support. After following the instructions of their support agent, I still had no resolution. Contacting support again led me here, as I was told to contact Apple support again, because there isn’t anything they could do. Frankly, the app has many major selling points, it’s why I was willing to invest. However, the way customer support has worked at resolving an issue for a customer who payed for a year subscription and only got a month. As a consumer please beware. And if you bank with Redwood Credit Union, just save your money. Support won’t help you get it back. I’ll update once I’ve heard back from Apple.

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