There’s a great chance you’ve found PocketGuard in your search if you’re looking for a budget software. Since it was founded in 2015, it has a large following among its followers, with both Android and iPhone users giving it a lot of positive reviews.
PocketGuard, like Rocket Money, has a variety of functions, is simple to use, and is reasonably priced. With its bill planning function, which can help you make a plan to pay off your outstanding balances, it stands out the most.
Is PocketGuard the best option for you for accounting? To help you choose, we took it for a test drive.
8.8
PocketGuard
Like
- Bill reward planning
- added protection coating
- Bill dialogue
- knowledge in specific funding
Do not like
- Limited test period
- No canceling your membership
- Unknown advertising and privacy policies
How does PocketGuard operate?
Without divulging your account numbers or sensitive information, PocketGuard works like most budget programs: you can use Plaid and Finicity to transfer your data from checking, savings, expense, and credit card balances in a matter of seconds.  ,
Some of your transactions are immediately sorted into spending categories by PocketGuard, but I had to manually sort many of them. However, that’s not always a terrible thing. Giving yourself more time to consider where your funds will go you improve your money management.
You can also set up savings goals, logo your recurring charges, and take the typical accounting actions that come with the majority of other accounting apps.  ,
The most useful function of PocketGuard is its bill return tool, which can help you determine the amount of interest you’ll pay, create a payment plan, and monitor your progress.
I was disappointed that the game didn’t suggest checking if I was laid off even more to pay off my credit card balance. Cleo may be a good game if you want to challenge you to be a better budgeter and hold you accountable for your targets.  ,
What we enjoy
- Bill return planning: PocketGuard can advise you on how to deal with it. This feature is not available in several budgeting software.
- PocketGuard adds a special PIN to your account, and it offers cosmetic and fingerprint recognition for signing in. Even if you lose your phone, this may give you peace of mind that your financial details won’t get into the wrong hands.
- Bill bargaining services: PocketGuard will attempt to negotiate some discounts on recurring bills like your cord, home security, and wireless phone. 40 % of your benefits will be taken if the business is able to lower your costs. ( Rocket Money also provides this service, which requires 30 % to 60 % of your first-year savings. )
- Education on individual finance: The software comes with a free, 20-minute self-guided video that covers various methods of budgeting, debt management, goal setting, and more. Although the data is fairly simple, it’s still useful for anyone starting out with a money plan.  ,
What we disliked
- Limited test time: PocketGuard simply offers a seven-day free trial period, which is not a lot of time to evaluate whether the app meets your needs. If you decide to spend for the game, I suggest first choosing the monthly billing solution. You don’t want to lock yourself into the$ 74.99 annual cost without being certain you’ll actually use the app, even though it’s more expensive at$ 12.99 per month. Although there is a free type of PocketGuard, it’s really basic.
- No recurring subscriptions can be cancelled with the software, but you’ll have to do the legwork yourself. On the other hand, Rocket Money you find and terminate your subscriptions for you.
- Unknown advertising and privacy policies and privacy: According to PocketGuard,” We don’t offer your data, we don’t display ads, and we earn our income only by selling subscriptions and better support.” Nevertheless, the company’s privacy policy includes safeguards against using your financial details to make presents from its advertising partners for goods and services. When I first started using the software, I had to request that it not track my online activity.
PocketGuard: Is it secure?
When it comes to protecting your information, PocketGuard investigations every box. The business uses 256-bit SSL encryption, which makes it the most expensive app for you to obtain accounts access with a special PIN. For an additional layer of protection, you can also allow physical and biometric recognition.
What is PocketGuard’s ideal application?
If you want to easily make a payment plan and track your progress with many credit card balances, PocketGuard is a good option.
Alternatives to PocketGuard’s budget software
Make sure you also check out Rocket Money, which was CNET Editors ‘ Choice pick for the best overall budgeting app in 2024, if you’re thinking about using PocketGuard. Use of Rocket Money is comparable to that of Rocket Money, costs less, and has all the essential attributes for accounting. It provides a free credit report monitoring and license revocation company, but it lacks PocketGuard’s loan payoff tool.
Check out our list of the top budget software for additional options that are worth exploring.
With PocketGuard, you can control your finances more conveniently.
There are two charges options for PocketGuard:$ 79.99 per year or$ 12.99 per month.
What you require from a accounting software depends on what. Although Rocket Money is a little less expensive, both programs have comparable features and pricing designs. PocketGuard is more advantageous for those who want to pay off debt.
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