Best Budgeting Apps · pricing · Updated June 2026
PocketGuard pricing (2026)
PocketGuard starts at $6.25/mo (Plus (Annual)), across 2 plans. Best for Overspenders who need real-time "how much can I spend now" guidance. Every figure links to PocketGuard's own page and the date we captured it.
At a glance
- Entry price: $6.25/mo (Plus (Annual)) · 52% off with annual billing
- 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
PocketGuard plans & pricing
| 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 |
Last verified 2026-06-14. 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.
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 2026-06-14.
Is PocketGuard cheaper billed annually?
Yes. PocketGuard publishes a 52% discount for paying annually (on the Plus (Annual) plan). Verified 2026-06-14.
What are cheaper alternatives to PocketGuard?
Cheaper budgeting apps than PocketGuard (entry $6.25/mo) include Quicken Simplifi at $5.99/mo. Verified 2026-06-14.
Does PocketGuard support HIPAA?
PocketGuard HIPAA support: —. SOC 2: —. GDPR: Yes.
Does PocketGuard have a free plan?
PocketGuard free tier: No; 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