PocketGuard Pricing 2026
PocketGuard offers a free plan with basic budgeting features, and PocketGuard Plus at $12.99/month or $74.99/year ($6.25/month) for advanced features like unlimited custom categories and debt payoff tools.
PocketGuard Pricing Breakdown
| Plan | Price | Features |
|---|---|---|
| Free | $0 | Basic budgeting, 2 custom categories, bill tracking |
| Plus (Monthly) | $12.99/month | All features, unlimited categories |
| Plus (Annual) | $74.99/year ($6.25/mo) | Best value - 4 months free |
What's Included in PocketGuard Free?
- Bank Account Sync - Connect up to 3 accounts via Plaid
- "In My Pocket" View - Shows spending money after bills and savings
- Bill Tracking - Alerts for upcoming bills
- 2 Custom Categories - Limited categorization
- Spending Insights - Basic reports and trends
Free Plan Limitations
The free plan only allows 3 connected accounts and 2 custom spending categories. If you have multiple bank accounts, credit cards, or want detailed categorization, you'll need Plus.
What's Included in PocketGuard Plus?
- Unlimited Accounts - Connect all your banks, credit cards, and investments
- Unlimited Custom Categories - Create as many spending categories as you need
- Debt Payoff Plan - Track loans and create payoff strategies
- Export Data - Download transactions as CSV for tax prep
- Cashback Finder - Identify recurring subscriptions and find savings
- Priority Support - Faster customer service response
PocketGuard vs SheetLink Pricing
| Feature | PocketGuard | SheetLink |
|---|---|---|
| Annual Price (Paid) | $74.99/year | $39.99/year |
| Free Tier | 3 accounts, 2 categories | Last 7 days, unlimited accounts |
| Bank Sync | Automatic (daily) | Manual click (privacy-first) |
| Platform | Mobile app (iOS/Android) | Google Sheets (desktop/mobile) |
| Customization | Pre-set categories | Fully customizable sheets |
| Data Export | CSV (Plus only) | Native in Sheets |
Is PocketGuard Plus Worth $74.99/Year?
PocketGuard Plus is worth it if you:
- Want a simple mobile-first budgeting app
- Like the "In My Pocket" spending concept
- Need built-in debt payoff tracking
- Have more than 3 accounts to track
- Prefer automatic daily syncing
SheetLink is a better choice if you:
- Want to save 47% ($39.99/year vs $74.99/year)
- Prefer working in Google Sheets with full flexibility
- Already have your own budgeting system
- Need a free tier with unlimited accounts (last 7 days)
- Value privacy-first manual sync over automatic connections
PocketGuard Limitations to Consider
- Mobile-only focus - Limited desktop web experience
- No joint accounts - Each person needs their own account
- Limited historical data - Only syncs recent transactions
- Account limits on free - Only 3 connected accounts on free tier
- No spreadsheet export on free - CSV export requires Plus
PocketGuard Alternatives
If PocketGuard doesn't fit your needs, consider:
- SheetLink - $39.99/year, Google Sheets-based, privacy-first
- YNAB - $109/year, zero-based budgeting methodology
- Monarch Money - $99/year, family-friendly with investment tracking
- Copilot - $72/year (iOS only), beautiful design
- Simplifi by Quicken - $47.88/year, simpler than full Quicken
Save 47% with SheetLink
Get Plaid-powered bank sync to Google Sheets for $39.99/year - nearly half the cost of PocketGuard Plus. Free forever for the last 7 days of transactions.
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