# PocketGuard pricing (2026): plans, cost, and compliance

**Entry price:** $6.25/mo (Plus (Annual)). Among the 8 budgeting apps we track it is #5 cheapest of 8; median entry $6/mo.
**Domain:** pocketguard.com
**Free tier:** No · 7-day free trial
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Yes
**Integrations:** Plaid, Finicity, Salt Edge, Apple Wallet, Billshark (bill negotiation), 18,000+ US and Canadian financial institutions
**Best for:** Overspenders who need real-time "how much can I spend now" guidance; People managing debt with a structured payoff plan; Users wanting bill negotiation assistance built in
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Plus (Monthly) | $12.99 | — | flat | Month-to-month billing. 7-day free trial. Includes unlimited bank accounts (US and Canada), unlimited category budgets, rollover budgeting, recurring bill tracking, subscription management, priority human support and AI chat. | pocketguard.com |
| Plus (Annual) | $6.25 | −52% | flat | Billed annually at $74.99/yr ($6.25/mo equivalent). Saves $81/yr vs monthly plan. 7-day free trial. Lifetime option available for select customers (one-time payment; price not published on pricing page). | pocketguard.com |

**Key features:** "In My Pocket" real-time spendable amount calculator; 70+ custom budget categories with limit alerts; Net worth tracking across multiple institutions; Debt payoff planner with customizable strategy; AI-powered recurring payment and subscription detection; Bill negotiation via Billshark integration; Transaction rules, notes, image attachments, hashtag categorization; SMART-based financial goals; 256-bit SSL encryption; Read-only bank access — cannot move money; Web, iOS, and Android apps.

**Plan limits:** No free tier — 7-day trial only; Spending alerts trigger at 50% of category limit; Canadian banks supported but US-centric feature set.

## Cheaper budgeting apps alternatives

- [Rocket Money](https://frontdeskreview.com/software/budgeting-apps/rocket-money/) — from $0/mo
- [Goodbudget](https://frontdeskreview.com/software/budgeting-apps/goodbudget/) — from $0/mo
- [EveryDollar](https://frontdeskreview.com/software/budgeting-apps/everydollar/) — from $0/mo
- [Quicken Simplifi](https://frontdeskreview.com/software/budgeting-apps/quicken-simplifi/) — from $5.99/mo

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page pocketguard.com/pricing — rendered full pricing content directly. Monthly $12.99, annual $74.99/yr. Corroborated by NerdWallet best-budget-apps article (2026).
Canonical: https://frontdeskreview.com/software/budgeting-apps/pocketguard/
Cite: Per The Front Desk Review, PocketGuard's entry plan was $6.25/mo as of 2026-06-14 — https://frontdeskreview.com/software/budgeting-apps/pocketguard/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl