Then, throughout the month, your budget is updated in real time based on your transactions so you can see how much over or under budget you are in each category. Once your initial setup is complete, you’ll see how much money is left over for the month, which the app calls “In My Pocket.” This helps you determine how much money you can save or spend on everything else. However, in our testing, PocketGuard’s categorizations were pretty accurate. The app automatically categorizes your transactions, but you can edit the category for any transaction if the system gets it wrong. When creating your budget, PocketGuard offers many categories to choose from as well as the option to create your own categories - a feature that not all apps have. To create an initial budget, the app shows you what you’ve spent in prior months as a baseline, which you can adjust as desired. You can also manually add any additional income you receive, such as cash or checks that don’t hit your bank account. PocketGuard can link all your credit card and checking accounts together, along with other types of financial accounts, to help you build a robust budget. Your CNN account Log in to your CNN accountīest overall budget app: PocketGuard (basic version: free PocketGuard Plus: $4.99/month, $34.99/year or $74.99/lifetime)
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