# PocketGuard・Budget Planner App vs Quartzo

The clearest difference is ads: Quartzo at none against PocketGuard・Budget Planner App's shown. Quartzo also leads on review sentiment (62% vs 39%) and update cadence (weekly vs every 3 weeks). PocketGuard・Budget Planner App's advantage is ratings volume (7.7K vs 4) and rating (4.6 vs 4.3). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. PocketGuard・Budget Planner App sells 11 in-app purchases, starting at $2.99 per 7 days and Quartzo sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

PocketGuard・Budget Planner App holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: PocketGuard・Budget Planner App has 7.7K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 39% of PocketGuard・Budget Planner App's written reviews are positive against 62% of Quartzo's, so the app with the better star average is not the one people write more warmly about.

PocketGuard・Budget Planner App ships an update every 3 weeks, Quartzo weekly. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | PocketGuard・Budget Planner App | Quartzo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211/reviews)** | [4.3 (4 ratings)](https://appshunter.io/ios/app/quartzo-spending-tracker/id6446209514/reviews) |
| Number of ratings | **7.7K** | 4 |
| Positive reviews | 38.7% of reviews | **61.9% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#80** | — |
| Size | 163 MB | 24 MB |
| Requires iOS | **16.0** | 18 |
| Devices | iPhone, Apple Watch | iPhone, iPad |
| Age rating | 4+ | +17 |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [Rafael Ramos](https://appshunter.io/developer/1654347075) |

## What reviewers say

### PocketGuard・Budget Planner App

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

**Currently charting:** #80 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


### Quartzo

[App page](https://appshunter.io/ios/app/quartzo-spending-tracker/id6446209514)

Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.

**Highlights:** Multiple wallets for account organization, Expense categorization, Automated recurring transaction recording, Customizable expense notifications, iCloud backup for data security, Home screen widgets for quick viewing and addition, Apple Pay transaction recognition integration

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Quartzo Pro: Monthly | $1.99 | per month |
| Quartzo Pro: Annually | $14.99 | per year |
| Quartzo Pro: Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is PocketGuard・Budget Planner App free?

PocketGuard・Budget Planner App is free to download, with in-app purchases available.

### Is Quartzo free?

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

### Which has better reviews, PocketGuard・Budget Planner App or Quartzo?

PocketGuard・Budget Planner App is rated higher. PocketGuard・Budget Planner App averages 4.6 out of 5 from 7.7K ratings, while Quartzo averages 4.3 from 4 ratings.

### Do PocketGuard・Budget Planner App or Quartzo have ads?

PocketGuard・Budget Planner App shows ads; Quartzo does not.

### Which is updated more often, PocketGuard・Budget Planner App or Quartzo?

PocketGuard・Budget Planner App ships an update every 3 weeks, and Quartzo weekly. Most recently, PocketGuard・Budget Planner App was updated on September 23, 2026 and Quartzo on September 24, 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.*