# PocketGuard vs SplitPick

The clearest difference is in-app purchases: SplitPick at none against PocketGuard's 14. SplitPick also leads on ads (none vs shown) and rating (5.0 vs 4.6). PocketGuard's advantage is ratings volume (7.7K vs 2) and chart position (#61 vs unranked). On price, monetization model, device support and iOS requirement there is nothing between them.

Both are free to download. PocketGuard sells 11 in-app purchases, starting at $2.99 per 7 days. SplitPick asks for nothing beyond the download.

SplitPick 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 2, so its average is the more settled of the two.

PocketGuard ships an update every 3 weeks, SplitPick every 4 days. The most recent releases landed on October 22, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | PocketGuard | SplitPick |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguard-budget-app/id949414211/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/splitpick/id6808052281/reviews)** |
| Number of ratings | **7.7K** | 2 |
| Positive reviews | 38.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#61** | — |
| Size | 164 MB | 17 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, Apple Watch | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [Darius Harrison](https://appshunter.io/developer/6779438205) |

## What reviewers say

### PocketGuard

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

**Currently charting:** #61 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


### SplitPick

[App page](https://appshunter.io/ios/app/splitpick/id6808052281)

Effortlessly split bills from receipts by scanning them. Friends can select their ordered items via a simple link, and the app calculates individual totals including tax and tip. Facilitates easy payment tracking and collection.

**Highlights:** Scan itemized receipts, Friends pick items via link, Calculate individual totals, Includes tax and tip, Track payments, Supports multiple payment methods

**Features:** macOS Compatibility, iMessage stickers, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PocketGuard free?

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

### Is SplitPick free?

SplitPick is free to download, with no in-app purchases.

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

SplitPick is rated higher. PocketGuard averages 4.6 out of 5 from 7.7K ratings, while SplitPick averages 5.0 from 2 ratings.

### Do PocketGuard or SplitPick have ads?

PocketGuard shows ads; SplitPick does not.

### Which is updated more often, PocketGuard or SplitPick?

PocketGuard ships an update every 3 weeks, and SplitPick every 4 days. Most recently, PocketGuard was updated on October 22, 2026 and SplitPick on October 20, 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.*