Three features introduced in 2026 help members see where their money goes, check whether they’re on track to overspend, and use last month’s results to plan the next one.

MOUNTAIN VIEW, CA, November 12, 2026 — PocketGuard, a personal finance and budgeting app, used by more than 1.7 million members, today highlighted three features introduced in 2026 that connect spending analysis with predictive budgeting and monthly planning. Insights: Trends Mode shows what changed in a member’s spending, Pace estimates where spending is headed by month-end, and Last Month’s Budget Review preserves the results of previous monthly plans.

“Overspending is rarely a decision. It’s usually a surprise,” said Dmitry Savransky, CEO of PocketGuard. “We believe people need more than a record of their transactions. They need to understand what’s changing, recognize potential problems early, and learn from their financial decisions.”

See where your money goes with Insights: Trends Mode

PocketGuard’s Insights: Trends Mode lets members compare spending across custom date ranges and break it down by category, budget, bill, merchant, or hashtag. Members can open the transactions behind a chart to see which purchases drove a change. For example, if grocery spending rose from one month to the next, they can check whether the increase came from one large purchase or several smaller ones.

These expanded analytical capabilities help members identify which expenses take up the largest share of their budget, understand how spending patterns change over time, compare actual spending with income and planned budgets, and spot subscriptions or recurring charges that may be quietly increasing. Rather than simply showing where money went, Insights helps people understand what changed, where financial pressure is building, and which expenses they may want to adjust.

Insights is available on iOS, with Android and web support planned.

See whether you’re on track to overspend with Pace

Pace is PocketGuard’s predictive budgeting feature. It estimates month-end spending using current activity and typical spending patterns from the previous six months, then compares the estimate with the member’s spending plan.

Under Pace means projected spending is below the plan. Over Pace means projected spending is above it. A member can still have money left in a budget and be Over Pace if their spending pattern suggests they’ll exceed the plan by month-end. That gives them time to decide whether to adjust their spending or revise the plan.

Pace is available on iOS, Android, and web.

Use last month’s budget results to plan the next one

Last Month’s Budget Review gives members a month-end snapshot of their Leftover, budgets, bills, savings goals, rollover totals, unpaid bills, and debt payoff progress. For example, a member can check whether a budget overage came from a one-time expense or reflects a category they consistently underfund. They can use that information to set a more realistic budget for the next month.

Last Month’s Budget Review is available on iOS, Android, and Web coming soon.

From what’s safe to spend today to what’s ahead this month

Leftover is PocketGuard’s safe-to-spend figure. It shows how much money is available to spend after accounting for bills, goals, and other commitments. Pace answers a different question by showing whether projected month-end spending is above or below the member’s plan.

PocketGuard also brings together bill and subscription tracking, savings goals, debt payoff planning with the snowball and avalanche methods, and Transaction Rules that automate recurring categorization. Members can use category budgeting, zero-based budgeting, or envelope budgeting.

About PocketGuard

PocketGuard is a personal finance and budgeting app that helps people track spending, see how much money is safe to spend, and plan for bills, savings goals, and debt payoff. PocketGuard is available on iOS, Android, and web in the United States, Canada, and the United Kingdom. Feature availability varies by platform.

For more information, visit pocketguard.com⁠.

Media contact
Yana Karban
PR & Communications, PocketGuard
yana.karban@pocketguard.com

Media gallery

About The Author
PocketGuard