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
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 | — | 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 2026-09-02. 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). Re-verified 2026-09-02 against the live pricing page; published figures unchanged. 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.
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 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
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Related categories
Display this standing
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 and money never touches it.
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.