PocketGuard: Bills & Budgeting Reviews

PocketGuard: Bills & Budgeting Reviews

Published by on 2021-07-08

PocketGuard is a free app that makes it easy to take control of your personal
finance and stop overspending. Its intuitive money management tools help you
make a budget and track spending automatically. Link your bank accounts &
credit cards and track everything from account balances &...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

PocketGuard: Bills & Budgeting Reviews

  • By

    Great assistant in managing your finances

    Every transaction is placed into a specific category (in 9/10 cases it's accurate) so you have a great insight on how much you have spent on coffee shops and books, on clothing and sports etc. Having the full picture will help you to understand how do your spending habits look like now and how do you need to change them. To be honest, it was difficult to stay on budget even after a couple of months of using the app. I was really shocked when having seen my 'in my pocket' negative a week before the next month starts. I couldn't believe I'd overspent with my credit card so much... PocketGuard won't change your life, only you can do it. But this app is a great assistant which definitely makes this change go easier.

  • By

    Great app...but Always broken.

    I love pocketguard, but too frequently there are errors that make it impossible to use. I get the same Error 940 "Puppetmaster" error all the time which prevents the app from connecting with my bank. It will sometimes work for a day or two then be in error again for week or so after. Customer support didn't really even respond to my e-mail, just an automated response asking for more details when I literally sent them a screen shot, and it's their own error message. I was considering buying pro, because when it works it's awesome and has literally helped me prevent overdrafts and stick to a budget but it doesn't really work very often. Aside from the broken bits, my recommendation would be the ability to select a date and see how much will be needed for bills in that time frame. It currently only shows end of month, but I always end up needing to bust out paper and pencil and manually (navigating away from the app logs out, so can't even use the calculator app at the same time) add figures to see what I need by next payday, as opposed to month.

  • By

    Great app but accounts don’t sync

    As many people have said it that the app is very good. It logs for most parts of it accurately all the expenses better than other budgeting apps. However where it lags really behind is that they have not figured out a good partnership with the major banks and credit cards on how to get the synchronization perfected to be able to download the transactions seamlessly. I have problems with PNC and American Express. These are two bigger reputable institutions. I hope pocketguard really talks with those institutions and gets this fixed. If they can get it fixed which I don’t see why they can’t I will surely give them 5 stars. It’s like the restaurant has a very good atmosphere but if the food is bad somebody may not want to go back. Similarly the app is super good however if the synchronization keeps failing time to time people are going to have to decide and leave because without the transactions being able to be downloaded the app is no good which is so good in other ways. Please please fix. I am counting on PoxketGuard to come through it. Thanks

  • By

    Good Budgeting App

    I needed an app that would allow me to setup budget categories and monitor my spending (based on accounts I linked to it). It does that and it does it fairly well. I do have to constantly go in everyday to update the category for which it falls in, but I’m just very particular in how I want my expenditures categorized. I may try using the hashtag feature to simplify things. I also like how it notifies you when you get close to hitting your limits. Moreover it’s all free! There’s a paid version to unlock more features, but for me those aren’t necessary. The only downside I’ve noticed is that it doesn’t update or show your expenditures in real time. Meaning, I usually have to wait 2-3 days before an expense is posted which can be frustrating when needing to know where you stand at any given moment in terms of your budget... which is sort of the purpose of the app right?

  • By

    Good overall. Needs fine tuning

    This app is great if you want something very basic to track your expenses. Bank accounts sync flawlessly, and it is easy to make a custom budget and track purchases. Where it needs work though is in the integration of the “Spending Limits” category into the rest of the app. For some reason they have 2 separate categories for “Bills” and “Spending Limits.” I am sure most people, like me, primarily use the “Spending Limits” portion which is not really used for any data integration in the rest of the app. I would like to see “Spending Limits” integrated into the “Overview” tab and future monthly income accounted for in the “Overview” space. It would also be nice to see some changes made in the “Insights” tab. Ideally, “Spending Limits” would be broken into macro categories and these macro categories would comprise the pieces of the pie chart under “Insights.”

  • By

    Almost perfect

    I really like the idea of having an app that tells you how much is safe to spend without endangering your bills money. It does a pretty good job of categorizing automatically, the need to re-categorize is minimal. However, it’s detecting one of my savings accounts as checking and I have found no way of changing that. Adding such function would be great. Also, maybe allowing us to add an expense for the future would be nice. I added money to the cash account, which was reserved for a transaction a few days into the future. It didn’t let me add anything for the future. So I’ll have to come into the app when it happens in October and add it which doesn’t really make sense. Overall the apps is great, and it’s the closest I’ve found to what I want which is an app like Level Money which is now gone. There is still room for a few improvements.

  • By

    Good but is missing some key elements

    I like the concept of PocketGuard, but there are a few elements missing to really make it good- being able to split transactions into different categories (not all my grocery store trips are just for groceries), constant bank connecting issues, and you need to upgrade to categorize certain things (gas, coffee shops, etc). I also noticed I only got push notifications AFTER opening the app- that kinda defeats the purpose of saying “hey you’re close to your budget on ____ don’t overspend”. I do like that I could connect my main bank and see each account within in it including all of my different shares assigned to that account (checking, savings, trip savings, savings for Christmas, car loan, etc) and decide which to see every log in. The app is very esthetically pleasing and easy to navigate. I did google a few things to figure it how to do it.

  • By


    I was recommended to download this app three months ago but decided to leave a review only now. I didn't like the that categories are not totally customized at first, but then technical support gave me several hints on how to use their hashtags system. I wasn't sure it will work for me... But it did! I was able to create multiple spending reports with distinct categories without merging everything into one (#lifestyle report contained Sporting Goods + Gym + Food + Massage). Moreover, you can add multiple hashtags to one transaction and it will make the insights deeper and all-encompassing. they also have additional features related to savings or lowering the bills. I am completely satisfied and definitely will use it in the future.

  • By

    Not as good as mint

    This program is difficult to use. My wife and I both use it on our joint account, but our “in my pocket” amount rarely matches. It jumps around wildly over the course of the day as well so we literally never know how much we have. It’s difficult to figure out how to handle things like using your bonus from last month since finances reset every month. It’s also difficult to figure out how to handle periodic expenses. Mint tells you how much you have left and how many days remain, so while it doesn’t give you a “daily number” you can easily divide cash remaining by days remaining. Mints balance matches for my wife and I and doesn’t have wild swings throughout the day. We feel much more confident using that program which just very simple math without any weird issues. It’s easy to see where money is and where it went. I can not recommend this program.

  • By

    Couldn’t Even Start Using It

    I downloaded the app and tried to connect my account but it said it had a error and to try again in two hours. I didn’t think of it much at first so I waited a few hours and tried again. Same problem. I was slightly annoyed but I understand sometimes things like this happen. I submitted a request to support. Got a generic message saying please detail the issue. I replied back but still haven’t got an answer. I’ve been trying every day now and it’s still giving me the same issue and still no answer from customer service. Not even someone messaging back saying “we are working on this” or “sorry about that this connection going to be down for a while. We will let you know when it’s up and running”. This app had great reviews when I originally looked to download the app but the more recent ones have been bad. Needless to say I’m going to delete the app before I even got to use it. 😔

  • By

    I want to love this app but transactions are too slow

    I reaallly want this app to be my go to budgeting tool. It has the best UI/UX of any app I’ve ever tried, it’s so great to use. But unfortunately it just doesn’t sync up with your card transactions very well. I have “pending transactions” from over a week ago that are definitely not pending anymore on my credit card. It also labels pending purchases with the incorrect vendor. I think PocketGuard has trouble with transactions that have tips? For example I went to a restaurant a week ago, but PocketGuard still says it’s pending and has the wrong merchant. It seems to mix up the merchant with previous purchases. Along with this, it’s missing some transactions from last week. Mint doesn’t have this issue, all my transactions are there, none of them are incorrectly labeled as pending, and all the vendors are accurate. There’s so many thing PocketGuard does right, but I can’t justify using it for budgeting when the transactions take forever to correct itself. I would gladly pay for a subscription if this wasn’t an issue. When it works, it works really well. Maybe I’ll try again in a couple of months and see if anything improves. I really hope it does!!

  • By


    I absolutely love this app! I used to use the prism app but they started to have system issues and when I tried to address them, I would be waiting over a month to get a response. So I tried this app called Pocket Guard. I read a bunch of reviews on a what everyone considered “The best finance apps”. This one stuck out to me the most. They really thought about the user interface and how the consumer would have to use the app. I thoroughly enjoy discovering all the features and information this app provides. I don’t need to use any other app once I set everything up. The customization of categories is such a great feature that I opted to pay the annual subscription rate. Great job Pocket Guard! 👍🏻⭐️⭐️⭐️⭐️⭐️

  • By

    App Itself Is Great, Bank Connectivity Could Be Improved

    Love the functionality of the app itself. I love that I can characterize my transactions and track how much I’m spending in each category while creating budgets for areas I want to cut down in. I also love that this provides you an “In Pocket” number so I can be sure to not overspend by the end of the month. For reference I have the Pro version and it’s worth it! Edited: I used to have some issues with bank connectivity that caused my budgeting to be off by +\- $100 which was frustrating. However the PocketGuard team fixed the issue and I’m enjoying this app again with confidence my budgeting is accurate 🙂

  • By

    Great app - with some bank issues

    I think this app is great overall. Compared to other budgeting tools this is the best one I’ve used. I would even consider upgrading to the subscription, but I have serious problems with how it connects to my bank. My bank requires MFA to connect and so I am constantly needing to re-authorize in order to link the account. First, the notifications are annoying because I’m reminded of the issue multiple times a day. Second, I never had this issue when I was using Mint or another app for budgeting. I don’t know if this is a bug, but this is very frustrating because I like the app a lot in every other aspect. I think MFA is important, but I would rather have to do that to log into the app, and not have that be the cause of not syncing between the app and my bank.

  • By

    Game changer for me!

    From what I can tell, this is the only app out there that is designed around the exact way I like to budget. It takes the month’s income and subtracts all your bills, subscriptions, recurring payments, things like that. So the money you have left over is what’s available to spend on food, gas, incidentals, fun stuff, etc, and the app keeps track of this number for you so you don’t have to worry about keeping track of it on your own. It’s exactly what I needed to help me stop unintentionally overspending! Very glad to have found this app. Thanks!

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Is PocketGuard: Bills & Budgeting Safe?

Yes. PocketGuard: Bills & Budgeting is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 6,399 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.7/5 . Justuseapp Safety Score for PocketGuard: Bills & Budgeting Is 37.0/100.

Is PocketGuard: Bills & Budgeting Legit?

Yes. PocketGuard: Bills & Budgeting is legit, but not 100% legit to us. This conclusion was arrived at by running over 6,399 PocketGuard: Bills & Budgeting User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for PocketGuard: Bills & Budgeting Is 37.0/100.

Is PocketGuard: Bills & Budgeting not working?

PocketGuard: Bills & Budgeting works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Have a Problem with PocketGuard: Bills & Budgeting? Report Issue

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Why should I report an Issue with PocketGuard: Bills & Budgeting?

  1. Pulling issues faced by users like you is a good way to draw attention of PocketGuard: Bills & Budgeting to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a PocketGuard: Bills & Budgeting customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using PocketGuard: Bills & Budgeting.

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