PocketGuard・Budget Planner App vs Cost Split Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PocketGuard・Budget Planner App
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 a budgeting app for people who want to be on top of their money. Personal finance is made simple by smart algorithms, which means budgeting with PocketGuard is so easy that you don't have to spend your entire life crunching numbers. We take care of all the routines like expense tracking and bill monitoring so you can clearly focus on money management operations. Always know what's in your pocket! A budget is a difference between income and expenses. If it's positive - you're doing well. In any other case, the budget is unbalanced and needs attention. This is where the "Leftover" feature takes action. How much disposable income do you have after paying your bills, saving for your goals, and setting aside enough money for needs and wants? The PocketGuard budgeting app does those calculations for you! Always know the actual safe-to-spend amount so you can fit your monthly budget. Comprehensive analytics! Budget and expense tracking are just a part of the story. If you wanna do money management the right way you need to learn from the data you track. PocketGuard's budgeting app provides you with various reports to let you see personal finances from different angles. Learn about your spending habits, make necessary adjustments, and optimize your monthly budget. Bill tracker and subscription manager! You can use PocketGuard as a bill organizer. Once you connect bank accounts the app starts working as a finance tracker. All your bills and subscriptions will be identified automatically and included in your monthly budget. The bill organizer will help you never miss the due date again. PocketGuard bill organizer gives you an easy way to negotiate better rates with your provider. So you can optimize your budget by cutting costs on services you use. PocketGuard subscription manager will help you to find subscriptions you might have forgotten about. This is another money management trick - stop paying for services you no longer need. Set and reach your financial goals! Goals are a key concept of budgeting. As was mentioned before, expense tracking is just a part of the story. Personal finance is made of goals. Let's say you want to spend less on shopping or save more for vacation. These are financial goals. The PocketGuard budget app gives you all the necessary tools to set them properly. Set up your debt-payoff plan! Nobody's perfect and almost anyone has debt to pay off. The question is: do you have a plan? Connect all your credit and loan accounts and we'll show you the way to a debt-free future. Our smart algorithm calculates the most profitable debt repayment strategy so you'll save hundreds or even thousands by paying less in interest! BANK-LEVEL SECURITY We use the same 256-bit SSL encryption as all major banks to ensure your sensitive information is safe and sound. The PocketGuard app also uses PIN codes and biometrics, like Touch ID & Face ID, as an additional security layer. PocketGuard connects to U.S. and Canadian financial institutions only. PocketGuard Plus subscription lengths and prices: Monthly - $12.99* / month Annual - $74.99* / year Prices are in U.S. dollars, may vary in countries other than the U.S., and are subject to change without notice. If you choose to purchase PocketGuard Plus, payment will be charged to your iTunes account. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Auto-renewal may be turned off at any time by going to your settings in the iTunes Store after purchase. Any unused portion of a free trial period will be forfeited if you purchase a different subscription plan. Privacy Policy: https://pocketguard.com/privacy/ Terms of Use: https://pocketguard.com/terms/
Cost Split Payments
Effortlessly manage shared expenses with friends, roommates, or travel buddies. This app automates calculations, tracks debts, and categorizes spending, making financial coordination simple and stress-free. Enjoy offline functionality for tracking expenses anytime, anywhere.
- Create and manage groups
- Log expenses with details
- Automatic expense calculations
- Track and settle debts
- Customizable expense categories
- Offline expense tracking
Read full descriptionHide full description
Splitility: Simplify Expense Sharing Splitility is the ultimate app for managing shared expenses, whether you're planning a trip, splitting rent, or organizing a night out. Say goodbye to awkward money talks and let Splitility do the heavy lifting for you! Key Features: * Create Groups: Quickly set up groups for any shared experience—perfect for friends, roommates, or travel buddies. * Track Expenses: Log expenses effortlessly with detailed descriptions, amounts, and participant selection. * Automatic Calculations: No more messy math! Splitility ensures fair and accurate expense splits. * Debt Management: Instantly see who owes whom and keep things balanced with easy settlement options. * Customizable Categories: Categorize your expenses (food, transportation, entertainment, and more) for better tracking. * Offline Functionality: Track expenses anytime, anywhere—no internet required! Why Choose Splitility? * Intuitive and user-friendly interface. * Works great for everything from road trips to daily expenses. * Keeps your finances organized and relationships stress-free. Download Splitility today and make sharing expenses simple!
Screenshots
Verdict
PocketGuard・Budget Planner App and Cost Split Payments both sit at 4.6 stars, but that hides the real split: 75% of Cost Split Payments's written reviews are positive against 39% of PocketGuard・Budget Planner App's. Cost Split Payments also leads on ads (none vs shown). PocketGuard・Budget Planner App's advantage is ratings volume (7.7K vs 11) and chart position (#91 vs unranked). On price, rating, update cadence and in-app purchases 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・Budget Planner App sells 11 in-app purchases, starting at $2.99 per 7 days and Cost Split Payments sells 4 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.6 for PocketGuard・Budget Planner App against 4.7 for Cost Split Payments. That said, the two scores are not equally well evidenced: PocketGuard・Budget Planner App has 7.7K ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 39% of PocketGuard・Budget Planner App's written reviews are positive against 75% of Cost Split Payments's.
PocketGuard・Budget Planner App ships an update every 3 weeks, Cost Split Payments fortnightly. The most recent releases landed on September 23, 2026 and September 11, 2026 respectively.
| Parameter | PocketGuard・Budget Planner App | Cost Split Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (7.7K ratings) | 4.7 (11 ratings) — better |
| Positive reviews | 38.7% of reviews | 75.0% of reviews — better |
| Number of ratings | 7.7K — better | 11 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #91 — better | — |
| Devices | iPhone, Apple Watch | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 163 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | PocketGuard, Inc. | Nadiia Martyniuk |
Customer experience
PocketGuard・Budget Planner App
Cost Split Payments
Bugs and requests
PocketGuard・Budget Planner App
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
Cost Split Payments
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PocketGuard・Budget Planner App
- Weekly offer with 7 day trial7 Days trial$2.997 Days
- PocketGuard Plus3 variants$4.991 Month
- Monthly subscription$4.991 Month
Show 7 moreShow fewer
- PocketGuard Plus7 Days trial$7.991 Month
- Monthly subscription$7.991 Month
- Monthly Subscriptions7 Days trial$12.991 Month
- Monthly Subscription$12.991 Month
- PocketGuard Plus7 Days trial$24.991 Year
- PocketGuard Plus$34.991 Year
- Yearly Subscription7 Days trial$74.991 Year
- Lifetime Membership$79.99
Cost Split Payments
- Weekly Plan3 Days trial$4.997 Days
- 6 Month3 Days trial$8.996 Months
- Yearly Plan$17.991 Year
Show 1 moreShow fewer
- 1 Month$31.991 Month
Questions
Is PocketGuard・Budget Planner App free?
Is Cost Split Payments free?
Which has better reviews, PocketGuard・Budget Planner App or Cost Split Payments?
Do PocketGuard・Budget Planner App or Cost Split Payments have ads?
Which is updated more often, PocketGuard・Budget Planner App or Cost Split Payments?
Other comparisons















