# PocketGuard vs Finwise

The clearest difference is ads: Finwise at none against PocketGuard's shown. Finwise also leads on rating (5.0 vs 4.6) and iOS requirement (13.0 vs 16.0). PocketGuard's advantage is ratings volume (7.7K vs 1) and chart position (#82 vs unranked). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. PocketGuard sells 11 in-app purchases, starting at $2.99 per 7 days and Finwise sells 1 in-app purchase, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Finwise 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 1, so its average is the more settled of the two.

## The numbers

| Metric | PocketGuard | Finwise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguard-budget-app/id949414211/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/finwise/id6446466730/reviews)** |
| Number of ratings | **7.7K** | 1 |
| Positive reviews | 38.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | — |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#82** | — |
| Size | 164 MB | 63 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, Apple Watch | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [What If Projects, Inc.](https://appshunter.io/developer/1649550065) |

## What reviewers say

### PocketGuard

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

**Currently charting:** #82 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


### Finwise

[App page](https://appshunter.io/ios/app/finwise/id6446466730)

This AI-powered personal finance assistant simplifies money management with real-time analysis and custom insights. It helps users achieve their financial goals efficiently and reduce financial stress.

**Highlights:** AI-driven financial analysis, Personalized money management, Custom-tailored insights, Real-time financial situation assessment, Goal achievement support

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited messages | $9.99 | per month |


## Frequently asked questions

### Is PocketGuard free?

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

### Is Finwise free?

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

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

Finwise is rated higher. PocketGuard averages 4.6 out of 5 from 7.7K ratings, while Finwise averages 5.0 from 1 ratings.

### Do PocketGuard or Finwise have ads?

PocketGuard shows ads; Finwise does not.

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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.*