# Debts vs PocketGuard

The clearest difference is price: PocketGuard at Free against Debts's $2.99. PocketGuard also leads on update cadence (every 3 weeks vs every 5 months). Debts's advantage is in-app purchases (none vs 14) and ads (none vs shown). On chart position and device support there is nothing between them.

PocketGuard is free to download; Debts costs $2.99 up front. PocketGuard sells 11 in-app purchases, starting at $2.99 per 7 days. Debts asks for nothing beyond the download.

Debts ships an update every 5 months, PocketGuard every 3 weeks. The most recent releases landed on October 27, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Debts | PocketGuard |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguard-budget-app/id949414211/reviews)** |
| Number of ratings | — | **7.7K** |
| Positive reviews | **66.7% of reviews** | 38.7% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | #192 | **#73** |
| Size | 3 MB | 164 MB |
| Requires iOS | **14.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) |

## What reviewers say

### Debts

[App page](https://appshunter.io/ios/app/debts/id363447040)

**Currently charting:** #192 Top Paid · Finance (US App Store)

This app helps you manage and pay off your debts. Track payments, get reminders, and use a built-in estimator to plan your payoff strategy, including the debt snowball method. Export reports and manage multiple currencies.

**Highlights:** Track debt and payments, Payment schedule and reminders, Debt payoff estimator, Debt snowball method support, Export reports (CSV/PDF), Multi-currency support

**In-app purchases:** none


### PocketGuard

[App page](https://appshunter.io/ios/app/pocketguard-budget-app/id949414211)

**Currently charting:** #73 Top Grossing · Finance (US App Store)

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

**Highlights:** Automatic expense tracking, Bill and subscription monitoring, Disposable income calculation, Spending habit analysis, Financial goal setting, Debt-payoff plan creation

**Features:** Apple Wallet, Apple Watch app

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly offer with 7 day trial | $2.99 | per 7 days |
| PocketGuard Plus | $4.99 | per month |
| Monthly subscription | $4.99 | per month |
| PocketGuard Plus | $7.99 | per month |
| Monthly subscription | $7.99 | per month |
| Monthly Subscriptions | $12.99 | per month |
| Monthly Subscription | $12.99 | per month |
| PocketGuard Plus | $24.99 | per year |
| PocketGuard Plus | $34.99 | per year |
| Yearly Subscription | $74.99 | per year |
| Lifetime Membership | $79.99 | one-time |

**What reviewers like**

- 🚀 Efficient app that helps track spending
- 👍 Customizable budgeting categories
- 🚀 Real-time transaction updates
- 👍 Intuitive and user-friendly interface
- 🚀 Helpful for getting finances under control

**What reviewers complain about**

- 🐛 Recurring issues with bank account syncing
- 🔒 Security concerns with 2FA/MFA requirements
- 🚫 Lack of support for certain banks/credit cards
- 💰 Expensive subscription model
- 🐛 Buggy app performance and frequent crashes

**Reported bugs**

- Inconsistent transaction syncing and labeling
- Inability to delete or manage connected accounts
- Budgeting data disappearing or not updating properly

**Requested features**

- Ability to carry over unspent budget to next month
- More advanced reporting and analytics
- Light/dark mode theme options
- Improved transaction categorization and learning
- Support for multiple users/family budgeting


## Frequently asked questions

### Is Debts free?

Debts costs $2.99, with no in-app purchases.

### Is PocketGuard free?

PocketGuard is free to download, with in-app purchases available.

### Do Debts or PocketGuard have ads?

PocketGuard shows ads; Debts does not.

### Which is updated more often, Debts or PocketGuard?

Debts ships an update every 5 months, and PocketGuard every 3 weeks. Most recently, Debts was updated on October 27, 2026 and PocketGuard on October 26, 2026.

### Which is more popular, Debts or PocketGuard?

Debts currently peaks at #192 in the App Store charts, and PocketGuard at #73. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*