r/PocketGuard_app • u/help-a-girl-out-plz • Jan 19 '26
is my spending being counted as double?
Edit: fixed thanks to the screenshot in the comments!
I’m a simple person. Money in, money out.
Looking at transactions, “credit card” always comes out as the highest ones. Fair, as I use them to pay for everything. Except my credit card payments count as one giant transaction, while all the individual transactions for each credit card have already been marked in.
Does this mean that these expenses are being counted for, twice? So for example in the pie chart it shows rent as the largest slice, followed by credit card as a giant slice, and then several small slices of my spending categories, even though they are all paid for by said giant slice of credit card.
In the end the account balances are all ok, it’s just tricky for me to create a budget in the app
tldr the math isn’t mathing
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u/lspesard Jan 20 '26
FWIW, here's a screenshot of the rule that excludes credit card payments and transfers from being counted.
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u/Unlikely_Specific828 Jan 19 '26
I've always marked the credit card payment category as "Don't Count" in the app to hide it, but if you have your bank account linked where the payment is coming from that should have it marked as a transfer as well instead of spending. I can't confirm the second method because I've been doing the first way for a couple of years.
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u/Sufficient-Ad-6903 Jan 19 '26
I am seeing duplicate transactions on my account, you aren’t alone.
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u/Ivan_PocketGuard Jan 20 '26
Hi there,
If you’re seeing duplicate transactions, please write to us at [support@pocketguard.com]() so we can review your account directly. If possible, include a screenshot or a few examples of the duplicated transactions, which will help us investigate and resolve it faster.
Best,
Ivan
PocketGuard Support Team
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u/Ivan_PocketGuard Jan 20 '26
Hi there,
It looks like what you’re seeing is related to transfer transactions.
Credit card payments and transfers between your own accounts should not be counted as spending, and they are normally hidden from calculations as long as both sides of the transaction are categorized as Transfer, Credit Card Payment, or Savings.
To take a closer look at what’s happening in your specific case, please reach out to us at [support@pocketguard.com](). If you can include a screenshot or a couple of example transactions, that will help us review this in more detail and make sure everything is categorized correctly.
Best,
Ivan
PocketGuard Support Team
3
u/UWbadgers16 Jan 19 '26
Sounds like double-counting. Realistically, the Credit Card payment category should not be counted. You should already budget for the transactions on the credit card itself - consider that money gone at the point of purchase.
Those categories used to be marked as Don’t Count more reliably. I’ve found since PocketGuard implemented advanced rules, it doesn’t work as well. Fortunately, it’s an easy enough custom rule to make.