PocketGuard pricing 2026: cost, free trial and is there a free plan

PocketGuard plans and prices

PocketGuard's pricing page, read November 8, 2026, shows three plans with the same features. They differ only in how you pay.^[2] Prices are in US dollars.

Monthly costs $155.88 over twelve months, which is $80.89 more than the yearly plan. The page itself says yearly saves $81. The lifetime price of $149.99 equals two years of the yearly plan, so it is cheaper from the third year on.

The free trial

A 7-day free trial on each plan, "Try it free for 7 days".^[1][2] The page doesn't say whether the trial needs a card. Several App Store reviewers from 2025 and 2026 say they were charged when the trial began, and one says the trial didn't show in their App Store subscription settings.^[6] Those are reviews, not PocketGuard's terms, but they are a reason to put the end date in your calendar the day you start.

Is there a free plan?

The pricing page lists no free plan; the only free option is the 7-day trial. The App Store listing is free to download.^[2][5] A September 2025 reviewer wrote that they had used the app for over a year, chose the free version, and were then pushed to upgrade.^[6] We can't say what the old free plan included. For a free budgeting app today see the best free budgeting apps.

What PocketGuard costs for two people

We can't give you a number, because PocketGuard's pricing page lists no household, family or partner plan and says nothing about sharing one account.^[2] Its help pages we read don't cover it either.^[3][4] If you each need your own login, the safe assumption is two subscriptions: $149.98 a year on the yearly plan. That is a guess from the page's silence, not a PocketGuard policy, so ask support before you pay twice.

If two people will budget together, see the best budgeting apps for couples.

Cancelling

"All subscriptions in PocketGuard are auto-renewable." Cancel at least 24 hours before the end of the current period to avoid renewal.^[2] The page gives the steps: in the app, Billing, then Modify subscription; on the web, Settings, Customer Portal, then Cancel plan.^[2] It describes no general refund policy. Reviewers from 2025 and 2026 report charges after cancelling.^[6]

PocketGuard compared with other apps

At $74.99 PocketGuard is at the low end of the paid apps. The gap to the others is small, so price is a weak reason to pick it. What is different is the lifetime option. For details, see the PocketGuard vs YNAB and PocketGuard vs Monarch comparisons, and PocketGuard alternatives.

Is PocketGuard worth it?

It is worth it if

• You want one "safe to spend" number after bills and goals.^[1][5]
• You like the idea of paying once for life.^[2]
• You are one person. Its pages describe no shared login.^[1][2][3][4]

It is less likely to be if

• You want a free plan. There is none.^[2]
• Reliable bank sync matters most. Reviewers in 2025 and 2026 report transactions disappearing and banks that won't stay linked.^[6]
• You are a couple who each want a login at one price.

Where Wonderful fits

We make Wonderful, so weigh this accordingly. It costs $14.99/mo or $99/yr for the whole household: both partners, each with their own login and their own connected bank, and each choosing what the other sees. Shared costs split evenly, by income or any way you choose.

It has no free plan after a free week or a $1 first month, and it runs in the browser only, with no iPhone or Android app yet. If you are one person who wants PocketGuard's safe-to-spend number, or a lifetime price, PocketGuard is the closer fit. Prefer another? See PocketGuard alternatives.