PocketGuard: Bill & Budget
By PocketGuard, Inc.
- Category: Finance
- Release Date: 2015-01-07
- Current Version: 4.34.2
- Adult Rating: 4+
- File Size: 129.15 MB
- Developer: PocketGuard, Inc.
- Compatibility: iOS 13.0+
Description
PG - PocketGuard is a free bill organizer & budget app for people who want to be on top of their money. Personal finance 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! Basically, 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 "IN MY POCKET" 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? 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 free budgeting app provides you with various reports to let you see personal finances from different angles. Learn about your spending habits, make necessary adjustments, 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. Do you want to lower your bills? Of course, you do! 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 to save more for vacation. These are financial goals. 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 code and biometrics, like Touch ID & Face ID, as an additional security layer. ------------------------------------------------- Currently, 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 not required to use PocketGuard. 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. PocketGuard Plus subscription lengths and prices: - Monthly - $7.99* / month - Annual - $34.99* / year - Lifetime - $79.99* one-time purchase * Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/
Screenshots
Reviews
Great app easy to use
Once you figure it out you really get the hang of it
Excellent app. Life hack
PocketGuard is an excellent budgeting app that helps users keep track of their finances and manage their money with ease. The app's interface is user-friendly, and it offers a variety of features to help users stay on top of their spending habits, such as tracking bills, setting spending limits, and monitoring savings goals. One of the standout features of PocketGuard is its exceptional customer service. The app's support team is highly responsive, friendly, and helpful. They provide prompt assistance to users who encounter issues or have questions about the app's features. Many users also rave about the app's reliability and accuracy. PocketGuard pulls in data from bank accounts and credit cards to give users a comprehensive view of their financial situation. The app updates in real-time, so users can see their spending habits and account balances as they happen. Overall, PocketGuard is a must-have app for anyone looking to get a better handle on their finances. It offers a range of features and tools to help users manage their money effectively, and its excellent customer service sets it apart from other budgeting apps on the market.
No good
Downloaded pocket guard and input my income and expenses and when I got to the page where you can input your goals, it told me I did not have sufficient income even when my Income was 900 and my expenses were 700. Tried three times but got the same result. It said I needed more income and it gave me a negative amount. No good. I deleted the app.
The bugs, slowness, and lack of reliability aren’t worth it
This app is a really cool idea and if it worked well I’d continue my paid subscription. However, there are a couple big issues: - It’s really slow - almost unusable. This seems newer. When I first started using it it wasn’t this slow. Just scrolling through transactions is so tedious because it freezes and then scrolls way further than you want - It doesn’t always catch when your accounts are out out of date or not updating. For example, I have one account that just won’t seem to update any transactions from the last 6 months but PocketGuard isn’t showing any errors with the connection. This type of ‘silent’ failure to update really takes away from the value because I can’t trust what I see in the app. -There also seems to be pretty frequent errors with accounts where I have to remove and re-add them or re-enter credentials. This is probably more related to the external accounts and their security but it’s still annoying. All in all, I find myself using the actual bank apps more than PocketGuard due to these issues even though I’d prefer to have it all in one place and use PocketGuard.
Love this app!!
This app has been exactly what I’ve been looking for when it comes to budgeting. I love that I can see my spending patterns on a monthly basis too. I did decide to purchase the lifetime option, and love that I can change transaction dates (especially for end of the month transactions) creating my own categories, and being able to split my transactions. It gives me a much more clear and accurate view of my spending. The hashtags has been great too so if I’m paying via credit card I can know what that specific I transaction was for. All in all, I love this app!
Too many bugs. Poor support.
This app has potential but it’s so flawed at this point that it’s virtually useless. Many many transactions are duplicates so your budget updates are always wrong. Some transactions are repeated two and three times. I written to the support email several times but I always get the same bot response. These developers have a good idea but a terrible execution. Which is too bad. I really wanted a portable budget app that gave me ACCURATE updates on my spending. This app does the very opposite.
Limited
There’s no way to view pervious months budgets. Also, how do you save for things like car insurance that’s paid every six months? Support said to make a manual saving goal but because it looks like my budget is overdrawn from car insurance I can’t make any savings goals until my budget is balanced! I like that I can customize categories. Syncing with bank is nice but takes several minutes to sync just a few transactions.
Good app
It is being very helpful in tracking expenses. The only downside is that it runs 1-2 days behind the time of the actual transactions. By the time the weekend is over and transactions load on Monday night or Tuesday, it’s hard to remember what we spent on Friday and why. I wish it was more real time, like a banking app. However, I think for the most part, it is helping us.
Nice App
Need improvement, but still a very handy app.
App not updating account info automatically
Every day when I open the app I have to manually remind the app to refresh my bank account data to the current day. It used to automatically update around 5am daily. Also, it’s taking longer and longer (upwards of 3-5 minutes) for the data from the bank to cross over to the app. This used to happen within a few seconds. I have downloaded the most current version with the same issue.
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