PocketGuard AI
PocketGuard
Know exactly how much you have to spend
Quick Answer
PocketGuard AI calculates your real-time In My Pocket spending amount after bills savings and necessities. Free tier with Plus at $12.99/month or $74.99/year. Simplest approach to knowing how much you can spend. US and Canada primarily.
What It Does
PocketGuard AI calculates the real-time In My Pocket available spending amount after accounting for bills savings and necessities, automatically identifies and tracks recurring subscriptions and bills, detects and highlights opportunities to reduce bills and cancel unused subscriptions, projects upcoming expenses to keep the available spending number accurate, tracks spending by category, provides debt payoff planning tools, delivers spending insights and trend analysis, sends alerts when approaching budget limits, and offers a bill negotiation service to reduce recurring costs.
What It Cannot Do
PocketGuard's simplicity is a deliberate design choice — it is less configurable than detailed budgeting apps like YNAB for users who want granular category control. Investment tracking is limited. The bill negotiation service takes a percentage of savings. Available in US and Canada primarily.
Who Is It For
Individuals who want a simple answer to how much they can spend without managing complex budget categories. Particularly suitable for people who find traditional budgeting apps overwhelming and want AI to do the financial math and show them a single clear number.
About PocketGuard AI
PocketGuard is a personal finance app built around a single powerful concept — the In My Pocket number. Rather than showing users complex budget categories, PocketGuard's AI calculates in real time how much money is available to spend after accounting for all bills, savings goals, and necessities. This simple number prevents overspending without requiring users to actively manage multiple budget categories. The app connects to bank and credit card accounts, automatically identifies recurring bills and subscriptions, and uses AI to project upcoming expenses so the In My Pocket number is always forward-looking rather than just a snapshot of current balance.
Pricing and Access
Free tier includes basic In My Pocket tracking and budgeting. Plus adds unlimited accounts debt payoff tools and custom categories. Annual plan saves approximately 52 percent versus monthly. US and Canada primarily.
Platforms
How AI Works
HybridFounded
2012
Headquarters
San Francisco, USA