Overall this app is great, but with a major bummer. One that kind of ruins the app for me. Pros: - Organization - Customization (categories, notes on individual transactions) - Spending analysis - interface Con: Can’t edit pending transactions, which means the data at your disposal is almost always stagnate. This is a serious problem. I was primarily using this to keep me on track with how much “free” money I have at any given time, replacing the google sheet I was constantly updating. I’ve already paid for a years subscription but if the inability to edit pending transactions doesn’t change (in any way - e.g. don’t count, add hashtag, change category) I don’t think I’ll continue using this.
No split transactions. That is a huge problem. No way to balance your budget. You can set spending limits, but those numbers are not calculated. Total income - bills - savings goal - spending limits = monthly budget. There are Issues tracking savings transactions. If I transfer money from checking to an external savings, the transactions will show up as spending in the checking account and income in the savings account. Me transferring money to myself is not spending or income, and it messes up the totals in the income and spending categories. There is no way to fix that other than not including the transactions in the tally. If those issues are fixed, I will give this app 5 stars.
Got this app after becoming unemployed and needing to manage a tight budget. Overall it’s solid, but I don’t like the way it handles credit card payments and their support has been unhelpful and very slow. I followed the instructions for the Bills feature and connected my credit card accounts and, per their instructions, did NOT add credit card payment minimums as bills. Their rationale for not including credit card payments as bills is because they assume a credit card transaction (negative value) will have an equal payment from your bank account (positive value). I’m working to pay off my credit cards and am stuck with having to pay the minimum each month for the time being, so I’m not paying for things with credit except for emergencies. My credit card payments are essentially bills. Unfortunately, the app doesn’t factor in upcoming minimum credit card payments if you simply connect your credit cards accounts, so if you’re broke like me and carry a balance, you have to disconnect the credit card accounts and add your estimated minimum payments as bills in order to see an accurate “In My Pocket” value. I had to figure this out on my own since support has been unresponsive and unhelpful. I’ve contacted support about several questions and an issue with connecting an account (system error message), and they have been incredibly slow and unhelpful, and refused to even acknowledge that I requested a refund on my Plus subscription. Overall, the app has promise, but I’m not impressed so far.
I am a Plus user and I love the UI/features, however there are some flaws that make me want to use a different app for budgeting purposes and cancel my subscription: 1. I do not get reminder notifications for upcoming bills even though I have notifications turned on for the app. According to PocketGuard you are supposed to receive a notification 3 days before my bill is due but I am not getting that. Also there is no setting for this reminder, you cannot adjust how far in advance this “reminder” occurs. 2. This app does not seem smart enough to handle credit card bills. Every credit card bill is variable, therefore what I paid last month will not be the same this month. PocketGuard acknowledges this by saying “this bill fluctuates”, however there is an issue with this. When you create the credit card bill from the transaction of you paying it, it will input how much you paid for that bill as how much it should be every month. When the next month bill is due, if I pay a different amount PocketGuard does not recognize that and will tell me my credit card bill is over due, when it is not. This could just be a bug, but still very annoying and I expected better from an app you must pay to use all its features. 3. Transactions from my debit and credit card are really delayed. Any transaction (even pending ones) take 3-4 days after they appear on either account to even show up on PocketGuard. This is not a bank issue as the same accounts are used on the Mint app show up right away, so why does PocketGuard have an issue? This delay causes me issues with budgeting and defeats one of the purposes of the app, tracking how much money is in your pocket each day. Complaint #3 is probably my biggest gripe, as the first two may just be bugs or just something that can be improved on.
Very few months a different credit card company or bank stops working with this app. Sams club is latest that doesn’t work along w capital one and synchrony bank.
Worked great until it stopped syncing with my bank account. Now it’s useless, and I feel like I wasted my money. Thanks for nothing.
The sync with Capital One does not work. The latest update did not work and worse now I cannot sync even manually. The issue with Capital One has been for a while now. I like the app and have paid for a year subscription but I have to reconsider this if the app does not work with a major banking institution.
Error given when I tried to setup my account a year ago. Developers said they fixed it numerous times but it never worked. Here we are a year later, still not working. Simmons Bank.
I really love most of the features of this app but there is virtually no customer service. I had trouble linking two of my accounts and reached out twice to customer service but haven’t received any response, after three weeks, even though I purchased the premium subscription. Although I love the features of PocketGuard, I can’t take full advantage of them because I couldn’t import all of my accounts, which means I don’t have a full picture of my finances.
I bought a subscription, payment went through, and nothing has changed in the app. Fix this problem and I will change rating, otherwise I will assume this is a scam and report this app. Update: STILL NO RESPONSE. Money is gone from my account and I have yet to hear a word from customer service. Another update: I was expecting customer service to be faster, but looking back I was just a little impatient. The problem was fixed, but I am rating the app 4 stars because of the inconvenience. Update: This app works wonders. I’m an impulsive spender, and this app has really kept me motivated to repress my impulses. Suggestions: Option to put multiple goals into one account. I only have a savings and checking, so it doesn’t make much sense that I can’t put $50 away a month for emergencies, $20 away for a new phone, and another fifty for next years vacation... and why I can’t put it all into my savings. Rather, I can only have one goal per account. UPDATE: In my pocket is dumb and not accurate. According to in my pocket, today I have $739 that I can afford to spend. I don’t even have that much in all of my accounts combined!!! And, it says I only have $48 to spend this week??? It’s never accurate, I just kind of ignore it, but today’s in my pocket was especially bonkers. Down a star.