Budgeting Apps · pricing · Updated September 2026
PocketGuard pricing (2026)
PocketGuard starts at $6.25/mo (Plus (Annual)) as checked on 2026-09-02, read from PocketGuard's own pricing page; 2 plans. Best for Overspenders who need real-time "how much can I spend now" guidance. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $6.25/mo (Plus (Annual))
- Free tier: No · 7-day trial
- Compliance: HIPAA — · SOC 2 — · GDPR Yes
- 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
As of · every figure below links to its source STALE · 2026-09-02
PocketGuard plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Plus (Monthly) STALE · 2026-09-02 | $12.99 | — | Flat monthly | 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) STALE · 2026-09-02 | $6.25 | — | Flat monthly | 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 |
Last verified 2026-09-02. STALE marks a plan we have not re-checked at its source in over 30 days. Every plan above is marked — we flag rather than silently retain. 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). Cross-checked against nerdwallet.com.
Price changes
Price on record
$6.25/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Corrections to this record
Changes we made to our own record of PocketGuard, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by PocketGuard. Every correction on the site is in the corrections log.
-
Plus (Annual). Correction 2026-09-11: the annual discount of 52% was removed from "Plus (Annual)". The recorded $6.25/mo is this plan's own note's $74.99 yearly total over 12 months, so the saving is already inside the figure, while the page prints the percentage as a further discount off the same row — offering a reader $3.00/mo. Removed rather than moved: no rate above it is named anywhere in the note. The note still describes the term in full. No price changed.
-
Source replaced, price unchanged. https://www.nerdwallet.com/article/finance/best-budget-apps answers 301 and lands on https://www.nerdwallet.com/finance/learn/best-budget-apps — the same page at the address the site now uses. The figure is unchanged and still stands on the day it was read; only the link the reader follows is corrected, so it no longer bounces through a redirect. Same host, same scheme, and the destination keeps every distinguishing word of the page's own name.
Capabilities
Integrations: Plaid, Finicity, Salt Edge, Apple Wallet, Billshark (bill negotiation), 18,000+ US and Canadian financial institutions.
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.
Frequently asked questions
How much does PocketGuard cost?
PocketGuard starts at $6.25/mo (Plus (Annual)); it has 2 published plans. Verified 2026-09-02.
What are cheaper alternatives to PocketGuard?
Cheaper budgeting apps than PocketGuard (entry $6.25/mo) include Quicken Simplifi at $5.99/mo. Verified 2026-09-02.
Does PocketGuard support HIPAA?
PocketGuard's public pages do not say whether it supports HIPAA. Its public pages also state GDPR compliance.
Does PocketGuard have a free plan?
No — PocketGuard publishes no free tier; it offers a 7-day free trial.
PocketGuard vs alternatives
Compare all budgeting apps · PocketGuard alternatives · Open data · MCP
Cheaper budgeting apps alternatives
- Quicken Simplifi from $5.99/mo
More budgeting apps tools
Related categories
This standing as a plaque
PocketGuard currently holds a platinum deskmark here — Rank 1 of 8 · Budgeting Apps. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
The image is drawn from our live data, so it follows the standing rather than freezing it: if PocketGuard moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.