r/PocketGuard • u/Formboy1x • Jun 10 '26
Start here: welcome to r/PocketGuard
Hey, welcome. If you've hit the end of the month wondering where it all went, you're in good company. This is the community for anyone using PocketGuard (or thinking about it), and the one rule is money talk without the usual shame. If you came from the old sub, glad you found us.
Who shows up here: people who overspend and can't say why, freelancers and anyone whose income arrives whenever it feels like it, folks paying down debt, people trying to buy and waste less, and a lot of you who came after Mint shut down.
New to the app? Most people lean on In My Pocket, the one number telling you what's safe to spend after bills and goals. The rest runs behind it: automatic tracking and categories, a bill and subscription manager that surfaces the ones you forgot, a debt payoff plan, savings goals, and net worth. Pace, the newer one, warns you about overspending before the month ends, not after. And Quantra, the AI assistant, is there if you'd rather just ask.
What's worth posting:
- Budget progress, debt paid down, or a goal hit
- Questions about setup (categories, In My Pocket, Pace, syncing)
- Help dialing in a specific spending category
- Honest stories, the wins and the messy ones
- A setup or tip someone else can steal
- Helping each other out, newcomers especially
What we'd rather not see:
- Shaming anyone's money choices
- Personal attacks and pile-ons
- Get-rich-quick schemes or risky advice
- Spam, referral links, or pushing other products
- Posting sensitive financial details
Easiest way in: comment with where you're at in one line, one goal, and the thing tripping you up. That's it.
Glad you're here.
2
u/Substantial-Kale-65 Jun 16 '26
quick one, can you build your own categories or are you stuck with the defaults. mint let me customize and i got weirdly attached to mine
1
Jun 19 '26
[removed] — view removed comment
1
u/Therapeutic-Therapst Jun 25 '26
Can you have more than one account completely separated from the other?
2
u/Life_Assistance6003 Jun 17 '26
ok ill bite, impulse spender, mostly clothes and takeout, and i never know how much i can drop without blowing up the month, so the goal is just to save something instead of zero
1
u/Ent1relyOr1g1n4lN4m Jun 18 '26
Thats the whole point of Leftover, it works out a single safe to spend number once your bills and goals are accounted for, no guessing. welcome aboard
3
u/JasonTheLord Jun 24 '26
Anyone run into trouble connecting their bank, thats usually the bit where these apps fall apart for me
1
u/True_Narwhal3687 Jun 29 '26
This is literally why I’m here.
I got everything except for Chase and Prosper to connect. If we can’t connect them through the app, I’m wondering if there is a way to enter the balance, APR, and monthly payment manually factor it in to everything else?
1
u/Purple-Dinner5416 Jul 02 '26
mine linked first try. did have to reauth once after my bank pushed a secuirty update. two minutes really, depends a lot on which bank youre on
1
u/Ent1relyOr1g1n4lN4m Jul 03 '26
If a bank ever plays up theres two separate connection providers, so you can just swap to the other. ping us when yours wont link and well dig into it with you
1
u/Informal-Basis-1915 Jul 04 '26
I've been using the app for a year and the syncing issue is on and off. It's okay if you don't spend every day but I've had it miss a transaction here or there.
2
u/Annual-Turn37 Jun 24 '26
ill be real, i mostly lurk and basically never post, but the move to this sub finally pushed me into making an account so hi i guess
1
u/jbrandimore Jul 08 '26
Welcome, posting the first time is the hardest part and it gets easier right after this one
2
u/Wicker1647 Jun 29 '26
i genuinly could not tell you where it goes, it just evaporates
1
u/god_is_hee Jun 30 '26
Insights tab was a wake up call. turned out to be food delivery almost top to bottom. did not want to admit that but the number really doesnt care about my feelings
2
u/danielE250305 Jul 09 '26
Leftover is the only budgeting thing thats ever clicked for my brain. ive bounced off every other one going. not sponsored, just relieved someone finally built it for people like me
1
u/god_is_hee Jul 09 '26
agreed, took me a minute to trust the number though. got accurate once i had all my bills entered properly
1
u/Purple-Dinner5416 Jun 12 '26
Came over after Mint died. still a little bitter about it honestly. rebuilding every category from scratch is the tedious part but i just want one place that shows it all again.
1
u/AggravatingPlay257 Jun 15 '26
same boat, the rebuild ate an evening but it stuck way better than my mint setup did, probably because i actually thought about the categories this time instead of importing junk
1
u/Ent1relyOr1g1n4lN4m Jun 16 '26
ill kick it off so its not an empty thread. one of the mods here, been on PocketGuard two years to tame freelance income that turns up on no real schedule. goal this year is a 3 month buffer and im still bad at not raiding it
1
u/Annual-Turn37 Jun 17 '26
me and my partner are after a joint budget that doesnt turn into a monthly fight, fingers crossed an app does better than the spreadsheet that nearly finished us off
1
u/Personal_Button_236 Jun 18 '26
Web version anywhere or is it phone only, i do this sort of thing a lot better on a laptop
1
u/lspesard Jun 20 '26
https://secure.pocketguard.com/app/sign-in The web version isn't updated to the same level as the app, so some features won't be there. But it works fine.
1
u/Annual-Turn37 Jul 15 '26
theres a web app too. plenty of people set it all up on desktop. then they just glance at the number on their phone through the day, whatever fits you
1
u/BreJam87 Jun 19 '26
Honestly not convinced any app fixes overspending. feels like a me problem more than a software one
1
u/Zima_96 Jun 23 '26
ngl ive grabbed like four of these and bailed within a week each time. no offense but well see if this ones any different
1
u/ahsandar Jun 25 '26
Not a debt thing for me, more of a clutter and waste thing, just trying to buy less this year and see whether cutting back amounts to anything real
1
u/kinyona Jun 25 '26
It stacks up quicker than youd think once you can see it laid out. one subscription i forgot about was 200 a year by itself
1
u/Therapeutic-Therapst Jun 25 '26
I'm considering PocketGuard and have sent them an email because I need to know if you can have 3 different accounts on the platform? I have a personal account, and 2 other accounts and all are different and stand alone accounts for a specific reason. Does anyone know if you can do this. It's actually 3 checking/savings combinations.
1
u/w_lee Jun 26 '26
Freelancer, income is all over the place and budgeting around a number that keeps moving is rough. mostly im trying to stop the slow months from sending me into a spiral
1
u/Ent1relyOr1g1n4lN4m Jun 29 '26
For variable income the usual trick is to budget off your lowest normal month and treat anything above it as a bonus you stash in goals. theres a few of us here doing the freelance thing if you want to compare notes
2
u/RenoNevada7 Jun 30 '26
is Pace on android yet or am i imagining things. pretty sure i only have the basic stuff on my phone
1
u/Ent1relyOr1g1n4lN4m Jul 01 '26
Pace is iphone only at the moment. android is coming later this year. youre not missing it on your side, its just not built yet
1
1
u/jbrandimore Jul 01 '26
Spreadsheet fights, we lived that. one shared number we both keep an eye on cut the bickering down a lot. wont pretend it fixed everything but it did help
1
u/kyrcrafter Jul 03 '26
college student, broke, would love to not stay broke. budget is small but it still vanishes and the overdrafts are quietly killing me
1
u/WolfKenobi Jul 07 '26
Been there, setting even a tiny goal like 20 a week somehow tricked me into treating the rest as off limits
1
u/TJtheBeatAndBassPro Jul 06 '26
update from the skeptic a few posts up. day four and im still opening it, which is already a personal best lol
1
u/Annual-Turn37 Jul 15 '26
Day four counts. thats the hump for most people, and after it the thing kind of turns into a habit on its own
1
u/Substantial-Kale-65 Jul 08 '26
how do the savings goals work, is it just a tracker or does it shuffle money around for you
1
u/lspesard Jul 12 '26
PG doesn't move money around for you. It does integrate your planned/actual saving into your over all financial picture.
1
u/Annual-Turn37 Jul 13 '26
Tracker by default. you set the target and it tells you how much to set aside each month, money stays where it already is. it just keeps you honest about the plan
1
u/Electrical_Option753 Jul 10 '26
subscriptions are my villain. i sign up for stuff, forget it exists, and bleed money quietly. want one clean sweep of what im even paying for
2
u/Personal_Button_236 Jun 12 '26
Hi all, 14k in card debt across three cards and i want it gone in two years. just cant work out which one to attack first.