Comparison

PocketSmith Sidekick vs OnGuardAI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PocketSmith Sidekick

Manage your finances on the go with this companion app. Track spending, view account balances, and categorize transactions from your bank, credit card, and investments. Organize financial documents and customize your dashboard for personalized insights.

Highlights
  • Track spending activity
  • View and categorize transactions
  • Add notes and labels to transactions
  • View all account balances
  • Organize financial documents
  • Customize mobile dashboard
Features
Read full description

PocketSmith Sidekick works alongside the web app so you can check your budgets, balances and spending - wherever you are! This mobile app makes staying on top of your PocketSmith account a breeze. See all your bank, credit card, investment and loan accounts in one place without needing to use different apps. Bank Feeds keep PocketSmith automatically updated, so you can see where your money is going. You need a PocketSmith web account to use the mobile app. Learn more and sign up at pocketsmith.com. APP FEATURES - Stay on top of your spending activity - View, categorize and edit your transactions on-the-go - Add notes and labels to your spending to record your memories - View all your account balances at a glance - Organize household documents like receipts and warranties by attaching them as images and documents to transactions - Customize your mobile dashboard to see the insights that matter to you We're constantly improving the app to help you make better money decisions. --- Also available POCKETSMITH PLANS Premium - monthly $14.49 - Bank feeds - Automatic and manual transaction importing - Automatic categorization - Unlimited budgets - 10 accounts - 10 years' projection Super - monthly $28.49 - Bank feeds - Automatic and manual transaction importing - Automatic categorization - Unlimited budgets - Unlimited accounts - 30 years' projection Price may vary by location. Subscriptions will be charged to your credit card through your iTunes account. Your subscription will automatically renew unless canceled at least 24 hours before the end of the current period. No cancellation of the current subscription is allowed during the active subscription period. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Any unused portion of a free trial period, will be forfeited when the user purchases a subscription.

About

OnGuardAI

This app analyzes calls and voicemails in real-time to detect and warn users about phone scams. It provides instant alerts, protects against caller ID spoofing, and can notify a trusted contact of high-risk scams. The service prioritizes user privacy by not storing call data.

Highlights
  • Real-time scam detection during calls
  • Instant scam alerts and recommendations
  • Protection against caller ID spoofing
  • Voicemail scam analysis
  • Trusted contact notifications for high-risk scams
  • Privacy-focused with no call data storage
Read full description

OnGuardAI: Smart AI Call Protection Against Phone Scams Phone scams have never been more sophisticated, and never harder to spot. Scammers now use AI to research their targets, fake caller IDs, and craft scripts designed to bypass even the sharpest instincts. OnGuardAI was built to fight back. It analyzes every call and voicemail in real time, detects scam tactics the moment they appear, and delivers instant warnings before any damage is done. Whether you're protecting yourself or someone you love, OnGuardAI works quietly in the background so no one has to face a scammer alone. REAL-TIME SCAM DETECTION While a call is happening, OnGuardAI analyzes it silently. The moment something sounds suspicious (artificial urgency, impersonation, suspicious financial requests), an instant alert appears with a clear recommendation to hang up. SEE THROUGH CALLER ID SPOOFING Scammers fake caller IDs in nearly 70% of attacks, impersonating banks, police, and even family members. OnGuardAI looks past the name on the screen and analyzes the live audio itself, detecting threats regardless of who the caller claims to be. TRUSTED CONTACT ALERTS Designate someone you trust. The moment a high-risk scam is detected, they receive an instant notification so you can talk it through together before any decision is made. VOICEMAIL PROTECTION Scammers don't just call; they leave intimidating messages designed to cause panic. OnGuardAI analyzes every voicemail for fraudulent intent and flags dangerous messages automatically. NO BLOCKED CALLS. NO MISSED CONNECTIONS. OnGuardAI doesn't block calls. It analyzes them. You stay reachable to doctors, pharmacies, and the people who matter, while staying protected from the ones who don't. YOUR PRIVACY, FULLY PROTECTED OnGuardAI analyzes your calls in real time and never stores them. Once a call ends, all audio and data are immediately deleted —recordings, no transcripts, no personal information retained anywhere. What happens on your call stays on your call. Protection without surveillance, always. SIMPLE BY DESIGN Set it up once and forget about it. OnGuardAI runs quietly in the background, delivering easy-to-read alerts through an interface anyone can use with confidence. You can even purchase and configure the app on behalf of a loved one directly from your own phone. They'll receive a link to download it, already set up and ready to go. OnGuardAI service includes: • Free trial available • Purchase on behalf of a loved one directly from your own device • Monthly and annual subscription options • Payment charged to your iTunes account at confirmation of purchase • Subscription renews automatically unless cancelled at least 24 hours before the end of the current period • Manage or cancel auto-renewal anytime in Account Settings Privacy Policy: https://www.getonguard.ai/privacy-policy Terms of Service: https://www.getonguard.ai/terms-of-service OnGuardAI is a tool to assist in scam detection. Users should always exercise caution with unknown callers.

Screenshots

PocketSmith Sidekick4 screens
OnGuardAI4 screens

Verdict

The call

The clearest difference is review sentiment: OnGuardAI at 100% against PocketSmith Sidekick's 35%. OnGuardAI also leads on rating (5.0 vs 3.1). PocketSmith Sidekick's advantage is ratings volume (53 vs 4) and device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PocketSmith Sidekick sells 2 in-app purchases, starting at $10.99 per month and OnGuardAI sells 2 in-app purchases, starting at $8.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

OnGuardAI holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: PocketSmith Sidekick has 53 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 35% of PocketSmith Sidekick's written reviews are positive against 100% of OnGuardAI's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 6 weeks. The most recent releases landed on October 29, 2026 and September 24, 2026 respectively.

Scorecard5 real differences · 5 level
PocketSmith Sidekick versus OnGuardAI: the parameters behind the verdict, then further details
ParameterPocketSmith SidekickOnGuardAI
PriceFreeFree
Rating3.1 (53 ratings)5.0 (4 ratings) — better
Positive reviews34.6% of reviews100.0% of reviews — better
Number of ratings53 — better4
Update frequencyEvery 6 weeksEvery 6 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size26 MB21 MB
Age rating4+4+
DeveloperPocketSmithOnGuardAI Inc

Customer experience

PocketSmith Sidekick

All ratings53 ratings
Positive47.2%
Neutral11.3%
Negative41.5%
Written reviews127 reviews
Positive34.6%
Neutral18.9%
Negative46.5%

OnGuardAI

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

PocketSmith Sidekick

Reported bugs

5 issues
  • Transactions not syncing properly
  • Duplicate transactions appearing
  • Categorization issues and inconsistencies
  • App crashes and freezes
  • Incompatibility with certain bank accounts

Requested features

5 requests
  • Google login option
  • Ability to manually add transactions
  • Custom date ranges for budgets
  • Receipt scanning and attachment
  • More detailed transaction history and reporting

OnGuardAI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

PocketSmith Sidekick

Subscriptions2
  • Premium$10.991 Month
  • Super$18.991 Month
2 purchases

OnGuardAI

Subscriptions2
  • OnGuardAI Premium1 Month trial$8.991 Month
  • OnGuardAI Premium1 Month trial$89.991 Year

Questions

Is PocketSmith Sidekick free?
PocketSmith Sidekick is free to download, with in-app purchases available.
Is OnGuardAI free?
OnGuardAI is free to download, with in-app purchases available.
Which has better reviews, PocketSmith Sidekick or OnGuardAI?
OnGuardAI is rated higher. PocketSmith Sidekick averages 3.1 out of 5 from 53 ratings, while OnGuardAI averages 5.0 from 4 ratings.
Do PocketSmith Sidekick or OnGuardAI have ads?
Neither PocketSmith Sidekick nor OnGuardAI shows ads.
Which is updated more often, PocketSmith Sidekick or OnGuardAI?
PocketSmith Sidekick ships an update every 6 weeks, and OnGuardAI every 6 weeks. Most recently, PocketSmith Sidekick was updated on October 29, 2026 and OnGuardAI on September 24, 2026.

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