PocketGuard vs Subscribed
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PocketGuard
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.
- Automatic expense tracking
- Bill and subscription monitoring
- Disposable income calculation
- Spending habit analysis
- Financial goal setting
- Debt-payoff plan creation
Read full descriptionHide full description
PocketGuard is an award-winning Budget App, Spending Tracker & Money Manager trusted by 1.7M+ users. Plan your budget, track expenses, manage bills, and know what’s safe to spend. RECOGNIZED AMONG THE BEST BUDGET APPS OF 2026 • Forbes Advisor — Best for Managing Recurring Expenses • Kiplinger — Best for Debt Management • NerdWallet — Featured among The Best Budget Apps for 2026 • Experian & Investopedia — Featured among the Best Budgeting Apps of 2026 “PocketGuard is the best budgeting app for tracking spending. PocketGuard makes it easy for users to analyze their spending habits through custom reports and allows them to create a fully customized budget and a personalized debt payoff schedule.”— Forbes Always Know What's in Your Pocket • Track all your income and expenses • Safe-to-spend amount after bills, goals, and essentials • How much you can safely contribute, save, invest Budgeting Features • Custom categories • Budget limits • Overspending prevention • Rollover budgets • Spending Prediction Spending Pace — Predict Your Spending Spending Pace analyzes your spending habits to predict whether you’ll stay on budget before the month ends. Choose your budgeting method • Zero-based budgeting • Envelope budgeting • 50/30/20 budget rule • Build your own custom budgeting system. Smart Transaction Rules — Automatic Expense Categorization • Detect merchant names, keywords, amounts, categories, and accounts • Rename merchants, fix categories, and add hashtags for tracking • Apply rules to every new transaction Spending Insight & Monthly Budget Review • Visual spending reports • Categories, budgets, bills and merchant breakdowns • Month-to-month budget • Spending trend analysis Bills organizer and Subscription manager Connect your bank and PocketGuard automatically identifies bills, subscriptions, and recurring payments. • Never miss a due date • Spot and cancel forgotten subscriptions • Lower bills using a built-in bill negotiation service Build Your Debt-Payoff Plan PocketGuard builds a personalized debt payoff plan based on your balances and repayment strategy, helping you reduce interest costs, see your debt-free date, and track every payment along the way. Bank-Level Security Your data is protected with 256-bit SSL encryption, biometric login (Touch ID & Face ID), PIN codes, and industry-standard privacy practices. FAQ You need a budget to track every dollar? PocketGuard connects to your bank accounts via secure data connectors (Plaid, Finicity, Salt Edge, Apple Wallet), automatically categorizes transactions, identifies bills and subscriptions, and calculates leftover which you can contribute to any budgeting category or spend guilt-free, setup a goal, save or invest. Which budgeting methods are supported? PocketGuard is a category budgeting but the app lets you budget your way. Use zero-based budgeting, envelope budgeting, the 50/30/20 rule, or create your own custom budget — without being locked into one budgeting method. Who is PocketGuard best for? Anyone who wants to plan a budget, track spending, stop overspending, pay off debt, manage subscriptions or build savings. Is it safe to connect my bank? Yes. PocketGuard uses 256-bit SSL encryption, biometric login, PIN protection, and MFA. Your credentials are never stored — read-only access only. Which countries and banks are supported? PocketGuard Budget App connects to financial institutions in the United States, Canada, and the United Kingdom. Can I use PocketGuard without connecting to a bank? Yes. You can add transactions manually or manage cash accounts. PocketGuard Plus Subscription Start a 7-day free trial and choose a plan: Monthly — $12.99 Annual — $74.99. Prices may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before renewal. Any unused portion of a free trial is forfeited once a subscription is purchased. Privacy Policy: https://pocketguard.com/privacy/. Terms of Use: https://pocketguard.com/terms/.
Subscribed
Manage all your recurring payments in one place. Get timely reminders for upcoming renewals and visualize your spending to identify potential savings. Stop wasting money on forgotten subscriptions.
- Effortless subscription tracking
- Payment renewal reminders
- Spending visualization
- Identify hidden costs
- Customizable categories
- Multi-currency support
Read full descriptionHide full description
Tired of surprise subscription charges? Stop wasting money on forgotten subscriptions! Subscribed is your personal subscription watchdog, designed to save you money and eliminate the headache of managing multiple subscriptions. Never miss a payment or overpay for a service you no longer use again. Why You Need Subscribed - Effortless Tracking: Keep track of all your subscriptions in one convenient place. - Payment Reminders: Get notified before upcoming renewals, so you can make informed decisions. - Visualize Your Spending: See exactly where your money goes with insightful graphs and statistics. - Uncover Hidden Costs: Identify forgotten subscriptions and potential savings. How Subscribed Works 1. Easy Setup: Add subscriptions in an instant 2. Personalized Dashboard: Get a clear overview of your subscription spending, upcoming payments, and renewal dates. 3. Smart Insights: Track spending trends, compare subscription costs, and pinpoint areas where you can save. 4. Proactive Alerts: Receive timely reminders before subscriptions auto-renew, putting you in charge. Features That Save You Money - Unlimited Subscription Tracking: Manage all your subscriptions, big or small. - Customizable Categories: Organize subscriptions by type (finance, health and entertainment) for easy budgeting. - Multi-Currency Support: Track subscriptions in your local currency, perfect for international users. Subscribed: Your subscription savings sidekick. Terms and conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://www.montinovo.com/privacysubscribed/
Screenshots
Verdict
The clearest difference is ads: Subscribed at none against PocketGuard's shown. Subscribed also leads on rating (5.0 vs 4.6). PocketGuard's advantage is ratings volume (7.7K vs 3) and chart position (#65 vs unranked). On price, update cadence, in-app purchases and monetization model 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
Both are free to download. PocketGuard sells 8 in-app purchases, starting at $2.99 per 7 days and Subscribed sells 2 in-app purchases, starting at $1.19 per month. Whichever you choose, the download price is not the number that matters.
Subscribed holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: PocketGuard has 7.7K ratings behind it against 3, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | PocketGuard | Subscribed |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (7.7K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 38.5% of reviews | — |
| Number of ratings | 7.7K — better | 3 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | #65 — better | — |
| Devices | iPhone, Apple Watch — better | iPhone |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 167 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | PocketGuard, Inc. | Andrea Montinovo |
Customer experience
PocketGuard
Subscribed
Bugs and requests
PocketGuard
Reported bugs
3 issues- Inconsistent transaction syncing and labeling
- Inability to delete or manage connected accounts
- Budgeting data disappearing or not updating properly
Requested features
5 requests- 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
Subscribed
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PocketGuard
- Weekly offer with 7 day trial7 Days trial$2.997 Days
- PocketGuard Plus3 variants$4.991 Month
- Monthly subscription$4.991 Month
Show 5 moreShow fewer
- Monthly subscription$7.991 Month
- Monthly Subscriptions7 Days trial$12.991 Month
- Monthly Subscription$12.991 Month
- PocketGuard Plus$34.991 Year
- Yearly Subscription7 Days trial$74.991 Year
Subscribed
- SubscribedPlus14 Days trial$1.191 Month
- Subscribed Plus annuale14 Days trial$9.991 Year









