Tools / Budgeting / PocketGuard

PocketGuard

Automated budgeting app that shows how much you can safely spend after bills and goals with subscription tracking.

Visit Website $74.99/year ($6.25/month) or $12.99/month

Platforms

Web iOS Android

Best For

Overspenders who need automated budgeting and spending limits without complex manual tracking.

Pros

Simple interface
Hands-off automation
Lifetime option available
Good debt features
Free version available

Cons

Limited customization
Basic reporting
Free version very limited
Some sync issues
No collaboration features

Key Features

In My Pocket spending limit

Automated budgeting

Debt payoff plans

Bill negotiation

Subscription tracking

Net worth tracking

Bank syncing

Spending insights

Overview

PocketGuard simplifies budgeting by automatically calculating how much you can safely spend after accounting for bills, goals, and necessities. Its “In My Pocket” feature gives you a clear spending limit for discretionary purchases.

Quick Stats

Aspect	Details
Best known for	Safe-to-spend calculations
Free Trial	7 days
Lifetime Option	$149.99
Unique Feature	In My Pocket
Founded	2013

Ready to try PocketGuard?

Start with their $74.99/year ($6.25/month) or $12.99/month to see if it fits your workflow.

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PocketGuard vs Alternatives

Feature	PocketGuard	Copilot Money	Luna Budgeting
Starting Price	$74.99/year ($6.25/month) or $12.99/month	$95/year ($7.92/month) or $13/month	Monthly $4.99/month
Platforms	3+ platforms	4+ platforms	1+ platforms
Key Strength	Simple interface	Beautiful design	Beautiful, minimalist interface
Best For	Overspenders who need automated budgeting and spending limits without complex manual tracking.	Apple ecosystem users who value premium design and AI-powered automation over manual budgeting.	Manual budgeting enthusiasts, design-focused users, privacy-conscious individuals

View all Budgeting tools → PocketGuard vs Copilot Money comparison → PocketGuard vs Luna Budgeting comparison →

Frequently Asked Questions

Is PocketGuard worth it?

PocketGuard is worth it if you need In My Pocket spending limit and Automated budgeting. With pricing starting at $74.99/year ($6.25/month) or $12.99/month, it's a premium solution best suited for overspenders who need automated budgeting and spending limits without complex manual tracking..

What platforms does PocketGuard support?

PocketGuard is available on Web, iOS, Android. This cross-platform support ensures you can access your budgeting data from any device.

What are the main alternatives to PocketGuard?

Popular alternatives to PocketGuard include Copilot Money, Luna Budgeting, Monarch Money. Each offers different strengths in the budgeting space.

Does PocketGuard offer a free trial?

PocketGuard pricing starts at $74.99/year ($6.25/month) or $12.99/month. Check their website for current trial offers and promotional pricing.