Personal Finance · pricing
PocketGuard pricing
PocketGuard publishes 3 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, PocketGuard pricing is $6.25/month across 3 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- $6.25/month
- Model
- Subscription
- Tiers
- 3
- Free tier
- Not on record
PocketGuard plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Premium - Annual | $6.25/month | 2 | Entry tier |
| Premium - Monthly | $12.99/month | 4 | +$6.74/month, 4 more features |
| Lifetime | $149.99/one-time | 3 | +$137/one-time, 3 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Premium - Annual
$6.25/monthThe entry tier. It covers same as monthly, $74.99 annual charge saves $81/year.
Premium - Monthly
$12.99/monthOver Premium - Annual, this tier adds:
- Budgeting tools
- Expense tracking
- Unlimited bank accounts
- AI chat support
Lifetime
$149.99/one-timeOver Premium - Monthly, this tier adds:
- All features
- No recurring fees
- Lifetime access
What the product covers
The full PocketGuard feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Real-time spending alerts
- Budget tracking
- Goal setting
- Spending insights
Integrations
- Bank accounts
- Credit cards
Platform
- Web support
- IOS support
- Android support
People bring PocketGuard in for tracking spending and bills against a personal budget, finding and cancelling recurring subscriptions. If that is not the job you are buying for, the alternatives to PocketGuard are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| PocketGuard (this page) | $6.25/month | subscription | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs PocketGuard |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs PocketGuard |
| Strands | On request | quote | - | vs PocketGuard |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs PocketGuard |
| Firefly III | Free | Open source, no licence fee | - | vs PocketGuard |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs PocketGuard |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the PocketGuard badges page.
Before you pay for PocketGuard
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 3 tiers between $6.25/month and $149.99/one-time, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare PocketGuard against the tools that do have one before committing.
PocketGuard runs on web, ios, android, and is published by PocketGuard Inc. of San Francisco, California. The full record is on the PocketGuard review, and the rest of the category is under best personal finance tools.
PocketGuard pricing questions
- How much does PocketGuard cost?
- PocketGuard publishes 3 tiers, from $6.25/month for Premium - Annual up to $149.99/one-time for Lifetime. The cheapest paid tier is $6.25/month.
- Does PocketGuard have a free plan?
- Not on the record we hold: PocketGuard is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- What is the difference between Premium - Annual and Premium - Monthly on PocketGuard?
- Premium - Monthly costs $12.99/month against $6.25/month, and adds budgeting tools, expense tracking, unlimited bank accounts, ai chat support.
- Is the Lifetime plan on PocketGuard worth it?
- That depends entirely on whether you need what it adds, which on the published record is all features, no recurring fees, lifetime access. It costs $149.99/one-time against $6.25/month for Premium - Annual. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside PocketGuard have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with PocketGuard?
- The record lists 9 features across 3 areas: other, integrations, platform. In practice it is brought in for tracking spending and bills against a personal budget, finding and cancelling recurring subscriptions.
- Does PocketGuard charge per user?
- The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these PocketGuard prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare PocketGuard against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with PocketGuard covering price, platforms and features.