# PocketGuard・Budget Planner App vs Cost Split Payments

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 (#95 vs unranked). On price, rating, update cadence and in-app purchases 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 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.

## The numbers

| Metric | PocketGuard・Budget Planner App | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211/reviews) | **[4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews)** |
| Number of ratings | **7.7K** | 11 |
| Positive reviews | 38.7% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#95** | — |
| Size | 163 MB | 35 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, Apple Watch | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### PocketGuard・Budget Planner App

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

**Currently charting:** #95 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


### Cost Split Payments

[App page](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436)

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.

**Highlights:** Create and manage groups, Log expenses with details, Automatic expense calculations, Track and settle debts, Customizable expense categories, Offline expense tracking

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Plan | $4.99 | per 7 days |
| 6 Month | $8.99 | per 6 months |
| Yearly Plan | $17.99 | per year |
| 1 Month | $31.99 | per month |


## Frequently asked questions

### Is PocketGuard・Budget Planner App free?

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

### Is Cost Split Payments free?

Cost Split Payments is free to download, with in-app purchases available.

### Which has better reviews, PocketGuard・Budget Planner App or Cost Split Payments?

Cost Split Payments is rated higher. PocketGuard・Budget Planner App averages 4.6 out of 5 from 7.7K ratings, while Cost Split Payments averages 4.7 from 11 ratings.

### Do PocketGuard・Budget Planner App or Cost Split Payments have ads?

PocketGuard・Budget Planner App shows ads; Cost Split Payments does not.

### Which is updated more often, PocketGuard・Budget Planner App or Cost Split Payments?

PocketGuard・Budget Planner App ships an update every 3 weeks, and Cost Split Payments fortnightly. Most recently, PocketGuard・Budget Planner App was updated on September 23, 2026 and Cost Split Payments on September 11, 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.*