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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Monarch Money

★ 4.50
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PocketGuard

★ 4.00
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Subscription Freemium
Price Details Monthly or annual subscription plans; free trial available Free basic plan with limited features; PocketGuard Plus costs $12.99/month or $74.99/year. Lifetime access offered selectively, pricing varies.
Monthly Price $14.99 $12.99
Annual Price $99.99
Save $79.89/year
$74.99
Save $80.89/year
Founded 2018 2015
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account syncing (bank, credit, investments)
Ad-free experience
Automatic bank account syncing
Bill and income automation
Cash account management
Category-based budgeting
Collaboration with partners or advisors
Custom reports and visualizations
Custom savings goals
Customizable budgets
Goal tracking (savings, debt payoff)
Net worth tracking
Privacy-focused (no data selling)
Receipt tracking (Plus only)
Recurring payment tracking
Spending alerts
Transaction categorization
Transaction export to CSV
Unlimited accounts (Plus only)
Pros & Cons
Pros
  • + Clean, intuitive interface
  • + Syncs a wide range of accounts
  • + Great for couples or shared budgeting
  • + Slick interface that’s easy to navigate
  • + Real-time spending alerts keep you in check
  • + Automatic bill and income tracking
Cons
  • No free plan—paywall city
  • Can’t import Mint data directly (ouch)
  • Some features feel basic for the price
  • Plus subscription is pricey for what you get
  • Free plan feels like a teaser with limited features
  • No desktop app, just web and mobile

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Quick Summary

Monarch Money

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

9 features

PocketGuard

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features