# Spentable vs PocketGuard

The clearest difference is price: PocketGuard at Free against Spentable's $1.99. PocketGuard also leads on rating (4.6 vs 3.3) and ratings volume (7.7K vs 13). Spentable's advantage is ads (none vs shown) and review sentiment (50% vs 39%). On in-app purchases and device support there is nothing between them.

PocketGuard is free to download; Spentable costs $1.99 up front. Spentable sells 1 one-off in-app purchase and PocketGuard sells 11 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

PocketGuard holds the better App Store score, 4.6 against 3.3. That said, the two scores are not equally well evidenced: PocketGuard has 7.7K ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 50% of Spentable's written reviews are positive against 39% of PocketGuard's, so the app with the better star average is not the one people write more warmly about.

Spentable ships an update every 2 months, PocketGuard every 3 weeks. Both last shipped on October 26, 2026.

## The numbers

| Metric | Spentable | PocketGuard |
| --- | --- | --- |
| Price | $1.99 | **Free** |
| Rating | [3.3 (13 ratings)](https://appshunter.io/ios/app/spentable/id500630565/reviews) | **[4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguard-budget-app/id949414211/reviews)** |
| Number of ratings | 13 | **7.7K** |
| Positive reviews | **50.0% of reviews** | 38.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | — | **#69** |
| Size | 25 MB | 164 MB |
| Requires iOS | **11.0** | 16.0 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Oursky Limited](https://appshunter.io/developer/401901543) | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) |

## What reviewers say

### Spentable

[App page](https://appshunter.io/ios/app/spentable/id500630565)

Effortlessly track your expenses and savings with a user-friendly interface. Visualize your spending habits with monthly charts and customize categories with emoji icons. Supports Apple Watch and Notification Center widgets for quick entry.

**Highlights:** Easy expense tracking, Monthly spending charts, Customizable categories with emojis, Apple Watch app, Notification Center widget, Unlimited expense data

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Today Widgets Extension | $2.99 | one-time |


### PocketGuard

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

**Currently charting:** #69 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 Spentable free?

Spentable costs $1.99, and also offers in-app purchases.

### Is PocketGuard free?

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

### Which has better reviews, Spentable or PocketGuard?

PocketGuard is rated higher. Spentable averages 3.3 out of 5 from 13 ratings, while PocketGuard averages 4.6 from 7.7K ratings.

### Do Spentable or PocketGuard have ads?

PocketGuard shows ads; Spentable does not.

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

Spentable ships an update every 2 months, and PocketGuard every 3 weeks. Most recently, Spentable was updated on October 26, 2026 and PocketGuard on October 26, 2026.

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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.*