# PocketGuard・Budget Planner App vs Splid

The clearest difference is review sentiment: Splid at 98% against PocketGuard・Budget Planner App's 39%. Splid also leads on ads (none vs shown) and rating (4.9 vs 4.6). PocketGuard・Budget Planner App's advantage is update cadence (every 3 weeks vs every 3 months) and chart position (#95 vs unranked). On price, ratings volume, in-app purchases and monetization model 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 Splid sells 2 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Splid holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 7.7K and 4K respectively. Written reviews point the same way: 39% of PocketGuard・Budget Planner App's written reviews are positive against 98% of Splid's.

PocketGuard・Budget Planner App ships an update every 3 weeks, Splid every 3 months. Both last shipped on September 26, 2026.

## The numbers

| Metric | PocketGuard・Budget Planner App | Splid |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211/reviews) | **[4.9 (4K ratings)](https://appshunter.io/ios/app/splid-split-group-bills/id991473495/reviews)** |
| Number of ratings | **7.7K** | 4K |
| Positive reviews | 38.7% of reviews | **98.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#95** | — |
| Size | 163 MB | 12 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [Nicolas Jersch](https://appshunter.io/developer/991473494) |

## 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


### Splid

[App page](https://appshunter.io/ios/app/splid-split-group-bills/id991473495)

Easily track and settle group expenses for holidays, housemates, or relationships. Enter all costs and see who owes what, even with complex or multi-currency transactions. Works online and offline with no sign-up required.

**Highlights:** Track group expenses, Settle up easily, Online and offline functionality, Multi-currency support, PDF/Excel export, Handles complex transactions

**Features:** Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 2 Groups | $2.99 | one-time |
| Splid Plus | $3.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 🚀 Intuitive interface
- 💰 Free with optional paid features
- 💳 Supports multiple currencies
- 🤝 Facilitates group expense sharing

**What reviewers complain about**

- 🐛 Occasional bugs or glitches
- ⚠️ Limited customization options
- 🔢 Confusing settlement calculations
- 🗓️ Lack of date/time sorting for expenses

**Reported bugs**

- Incorrect expense split calculations
- Inability to delete or edit past expenses

**Requested features**

- Add ability to attach receipts/photos
- Implement recurring expense tracking
- Improve currency conversion handling
- Allow custom expense categorization
- Provide more detailed expense reporting


## Frequently asked questions

### Is PocketGuard・Budget Planner App free?

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

### Is Splid free?

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

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

Splid is rated higher. PocketGuard・Budget Planner App averages 4.6 out of 5 from 7.7K ratings, while Splid averages 4.9 from 4K ratings.

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

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

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

PocketGuard・Budget Planner App ships an update every 3 weeks, and Splid every 3 months. Most recently, PocketGuard・Budget Planner App was updated on September 26, 2026 and Splid on September 26, 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.*