{"app_store_id":949414211,"slug":"pocketguard-budget-app-949414211","name":"PocketGuard - Budget App","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/66/2f/fc/662ffcf7-36b7-f8bb-615a-c51aef752f39/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/pocketguard-budget-app/id949414211?uo=4","price":0,"currency":"USD","rating":4.57534,"rating_count":7679,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-06T06:38:33Z","updated_at":"2026-10-20T08:15:11.616Z","stale":false,"missing_since":null,"one_liner":"Budget and spending tracker that links to bank accounts to track expenses, manage bills and show safe-to-spend amounts.","verified_maker":false,"maker_site":null,"file_size_bytes":171881472,"minimum_os":"16.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9d/e8/ee/9de8ee8a-d9a5-d085-b3be-b14e3a357bf8/Slice_1.JPG/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/da/fa/a5/dafaa5c2-d1ee-fca0-92f5-91b6dd0c5517/Slice_2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/24/2b/90/242b90b2-f075-853b-6cc5-2c6add116e6b/Slice_3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1a/8d/a8/1a8da8b4-c1da-594e-010c-44335319288d/Slice_4.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/11/63/5b/11635b03-eda5-d266-50f0-b8ac7cc20bd7/Slice_5.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/95/bc/95/95bc955e-5448-c577-a161-5af721213468/Slice_6.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fb/d7/58/fbd75838-51f5-3a31-5582-ca3252bb7b58/Slice_7.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e0/d5/c2/e0d5c25e-f1cd-fd8d-e27d-73cee8b57568/Slice_8.jpg/320x480bb.jpg"],"developer_name":"PocketGuard, Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/pocketguard-budget-app-949414211/","api_url":"https://apptierlist.com/api/v1/apps/pocketguard-budget-app-949414211","schema_version":"1.0","generated_at":"2026-10-21T17:15:47.832Z","data_as_of":"2026-10-21T16:29:13.631Z","description":"PocketGuard is an award-winning Budget App, Spending Tracker & Money Manager trusted by 1.7M+ users. Plan your budget, track expenses, manage bills, and know what’s safe to spend.\nRECOGNIZED AMONG THE BEST BUDGET APPS OF 2026\n\n• Forbes Advisor — Best for Managing Recurring Expenses\n• Kiplinger — Best for Debt Management\n• NerdWallet — Featured among The Best Budget Apps for 2026\n• Experian & Investopedia — Featured among the Best Budgeting Apps of 2026\n“PocketGuard is the best budgeting app for tracking spending. PocketGuard makes it easy for users to analyze their spending habits through custom reports and allows them to create a fully customized budget and a personalized debt payoff schedule.”— Forbes\nAlways Know What's in Your Pocket\n• Track all your income and expenses\n• Safe-to-spend amount after bills, goals, and essentials\n• How much you can safely contribute, save, invest \n\nBudgeting Features\n\n• Custom categories\n• Budget limits\n• Overspending prevention\n• Rollover budgets\n• Spending Prediction\nSpending Pace — Predict Your Spending \nSpending Pace analyzes your spending habits to predict whether you’ll stay on budget before the month ends.\nChoose your budgeting method\n• Zero-based budgeting\n• Envelope budgeting\n• 50/30/20 budget rule\n• Build your own custom budgeting system.\nSmart Transaction Rules — Automatic Expense Categorization\n• Detect merchant names, keywords, amounts, categories, and accounts\n• Rename merchants, fix categories, and add hashtags for tracking\n• Apply rules to every new transaction\n\nSpending Insight & Monthly Budget Review\n• Visual spending reports\n• Categories, budgets, bills and merchant breakdowns\n• Month-to-month budget \n• Spending trend analysis\nBills organizer and Subscription manager\nConnect your bank and PocketGuard automatically identifies bills, subscriptions, and recurring payments.\n• Never miss a due date\n• Spot and cancel forgotten subscriptions\n• Lower bills using a built-in bill negotiation service\nBuild Your Debt-Payoff Plan\nPocketGuard builds a personalized debt payoff plan based on your balances and repayment strategy, helping you reduce interest costs, see your debt-free date, and track every payment along the way.\nBank-Level Security\nYour data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices.\nFAQ\nYou need a budget to track every dollar?\nPocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge, Apple Wallet), automatically categorizes transactions, identifies bills and subscriptions, and calculates leftover which you can contribute to any budgeting category or spend guilt-free, setup a goal, save or invest.\nWhich budgeting methods are supported?\nPocketGuard is a category budgeting but the app lets you budget your way. Use zero-based budgeting, envelope budgeting, the 50/30/20 rule, or create your own custom budget — without being locked into one budgeting method.\nWho is PocketGuard best for?\nAnyone who wants to plan a budget, track spending, stop overspending, pay off debt, manage subscriptions or build savings.\nIs it safe to connect my bank?\nYes. PocketGuard uses 256-bit SSL encryption, biometric login, PIN protection, and MFA. Your credentials are never stored — read-only access only.\nWhich countries and banks are supported?\nPocketGuard Budget App connects to financial institutions in the United States, Canada, and the United Kingdom.\nCan I use PocketGuard without connecting to a bank?\nYes. You can add transactions manually or manage cash accounts. \nPocketGuard Plus Subscription\nStart a 7-day free trial and choose a plan: Monthly — $12.99 Annual — $74.99. Prices may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before renewal. Any unused portion of a free trial is forfeited once a subscription is purchased.\nPrivacy Policy: https://pocketguard.com/privacy/. Terms of Use: https://pocketguard.com/terms/.","facts":{"developer_id":1435880178,"developer_url":"https://pocketguard.com/","first_released":"2015-01-07T08:38:41Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"5.20.5","release_notes":"We've introduced Financial Wellness, a new feature designed to help you better understand your spending.\n\n• Discover how your daily routine may relate to your spending.\n• Uncover meaningful trends over time.\n• Better understand the way you spend.\n• Private and secure.\n\nPlus, we've made performance improvements and fixed bugs to make PocketGuard even better.","rating_current_version":4.57534,"rating_count_current_version":7679,"star_counts":null,"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-20T08:15:11.616Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-17T23:45:12.012Z","placed_at":"2026-10-16T15:17:48.982Z","scored_at":"2026-10-21T16:29:13.631Z"},"editorial":{"one_liner":"Budget and spending tracker that links to bank accounts to track expenses, manage bills and show safe-to-spend amounts.","what_is":"PocketGuard is a budgeting and money management app in the Finance category. It tracks income and expenses, organizes bills and subscriptions, and shows a safe-to-spend amount after bills, goals and essentials. It also includes a debt payoff plan based on balances and repayment strategy.","good_for":["Tracking income and expenses across linked bank accounts","Keeping up with bills, due dates and recurring subscriptions","Following zero-based, envelope or 50/30/20 budgeting methods"],"pricing":"PocketGuard - Budget App is free to download on the App Store.","faq":[{"q":"Does it connect to my bank accounts?","a":"The listing says PocketGuard connects to bank accounts through secure data connectors (Plaid, Finicity, Salt Edge, Apple Wallet), then categorizes transactions and identifies bills and subscriptions automatically."},{"q":"Which budgeting methods are supported?","a":"The listing names zero-based budgeting, envelope budgeting, the 50/30/20 budget rule and a custom budgeting system. It also describes the app as category budgeting."},{"q":"How is my data protected?","a":"The listing cites 256-bit SSL encryption, biometric login with Touch ID and Face ID, PIN codes, and industry-standard privacy practices."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T23:45:12.012Z"},"memberships":[{"list":"budgeting","list_name":"budgeting","list_status":"active","list_url":"https://apptierlist.com/best/budgeting/","position":13,"tier":"A","score":84.9,"components":{"rating":90.7,"votes":79.2,"rank":69.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:17:48.982Z"},{"list":"expense-tracking","list_name":"expense tracking","list_status":"active","list_url":"https://apptierlist.com/best/expense-tracking/","position":30,"tier":"B","score":80.1,"components":{"rating":90.7,"votes":79.2,"rank":50.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:17:48.982Z"},{"list":"money-management","list_name":"money management","list_status":"active","list_url":"https://apptierlist.com/best/money-management/","position":33,"tier":"C","score":79.4,"components":{"rating":90.7,"votes":79.2,"rank":47.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:17:48.982Z"}],"main_list":"budgeting","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":190006,"at":"2026-10-21T13:44:13.458Z","kind":"tier_changed","list":"money-management","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":"B","to":"C","reason":"rank shift: #33, score unchanged at 79.4, tier full (a quarter of the list)","job":"rescore"},{"id":168255,"at":"2026-10-19T04:05:11.796Z","kind":"tier_changed","list":"money-management","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":"C","to":"B","reason":"score 67.5 to 79.4","job":"rescore"},{"id":148832,"at":"2026-10-17T23:41:11.543Z","kind":"tier_changed","list":"budgeting","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":"C","to":"A","reason":"score 67.5 to 85.7","job":"rescore"},{"id":140749,"at":"2026-10-17T04:37:13.387Z","kind":"tier_changed","list":"money-management","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":"D","to":"C","reason":"rank shift: #28, score unchanged at 67.5","job":"rescore"},{"id":132127,"at":"2026-10-16T16:56:01.295Z","kind":"tier_changed","list":"expense-tracking","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":"D","to":"B","reason":"rank shift: #18, score 80.3, tier full (a quarter of the list)","job":"rescore"},{"id":130651,"at":"2026-10-16T16:11:07.622Z","kind":"tier_changed","list":"expense-tracking","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"D","reason":"score 67.6","job":"rescore"},{"id":128783,"at":"2026-10-16T15:41:15.055Z","kind":"tier_changed","list":"money-management","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"D","reason":"score 67.6","job":"rescore"},{"id":128780,"at":"2026-10-16T15:41:15.055Z","kind":"tier_changed","list":"budgeting","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"C","reason":"score 67.6","job":"rescore"},{"id":127614,"at":"2026-10-16T15:17:48.982Z","kind":"membership_added","list":"money-management","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"active","reason":"Billed as a Money Manager that shows safe-to-spend amounts and where money goes, with budgeting and spending tracking.","job":"shadow"},{"id":127613,"at":"2026-10-16T15:17:48.982Z","kind":"membership_added","list":"expense-tracking","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"active","reason":"Marketed as a spending tracker that tracks all income and expenses, with automatic categorization and custom reports.","job":"shadow"},{"id":127612,"at":"2026-10-16T15:17:48.982Z","kind":"membership_added","list":"budgeting","app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":"active","reason":"Built and marketed as a budget app with budget limits, rollover budgets, zero-based, envelope and 50/30/20 methods.","job":"shadow"},{"id":116151,"at":"2026-10-16T02:18:51.810Z","kind":"app_added","list":null,"app_store_id":949414211,"app":"pocketguard-budget-app-949414211","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); 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