PocketGuard now lists only paid plans — $12.99/month, $74.99/year, or $149.99 lifetime — so 2026 is a good moment to compare alternatives. Rocket Money is the pick for hands-off subscription cancellation, Monarch Money or YNAB for full budgeting, Copilot for Apple users, and privacy-first picks like Gravity and Bobby skip bank linking entirely.
PocketGuard remains an active budgeting app in 2026, built around its "In My Pocket" number showing what's safe to spend after bills, goals, and subscriptions. Its free tier is limited, and its Plus plan runs $12.99/month or $74.99/year, so it's worth comparing before you commit. Like most budgeting apps, PocketGuard links bank/card accounts to work automatically, which is exactly why some people look for something different.
This roundup covers nine alternatives verified as operating in 2026, ranging from full budgeting suites to lightweight subscription trackers, and flags the tools that changed or disappeared so you don't waste time. A few names you'll still see recommended are gone or renamed: Intuit Mint shut down in 2024 (Intuit pointed users to Credit Karma), Truebill is now Rocket Money, and the bill-negotiation app Trim has largely wound down and is no longer worth signing up for.
| App | Bank connection | Platforms | Pricing |
|---|---|---|---|
| Gravity(ours) | Not required | iPhone (iOS 17+) | $19.99/month or $59.99/year |
| Rocket Money | Required — links bank/card accounts | iPhone, Android, Web | Free tier; Premium is a pay-what-you-want slider, roughly $7–$14/month (annual options have varied — check current pricing) |
| Monarch Money | Required — links bank/card accounts | iPhone, Android, Web | $14.99/month or $99.99/year; Monarch Plus $199.99/year, annual only (7-day trial) |
| YNAB (You Need A Budget) | Optional — links bank/card accounts or manual entry | iPhone, Android, Web | $14.99/month or $109/year (34-day trial; free year for students) |
| Copilot Money | Required — links bank/card accounts | iPhone, iPad, Mac, limited Web | $95/year, about $7.92/month billed annually (1-month trial); a pricier monthly plan is offered in-app |
| Quicken Simplifi | Required — links bank/card accounts | iPhone, Android, Web | $3.99/month for the first year, billed annually (about $47.88); regular rate $6.99/month billed annually (check current promos) |
| Empower Personal Dashboard | Required — links bank/card accounts | iPhone, Android, Web | Free (Empower monetizes through its separate wealth-management services); its site blocks automated checks — verify current details |
| Bobby | Not required — manual entry | iPhone | Free; roughly $1.99 one-time purchase to unlock unlimited subscriptions and iCloud sync |
| Hiatus | Required — links bank/card accounts | iPhone, Android, Web | Free tier; Premium $10/month or $48/year (per hiatusapp.com/pricing) |
A private iPhone subscription manager. You add the services you pay for, and it tracks renewal dates and trial deadlines, then gives official-source-verified, step-by-step guidance to cancel any service — you cancel, it guides. It never links financial accounts.
The best-known subscription-cancellation alternative: Premium members can request that Rocket Money's concierge contact a provider and cancel on their behalf. It links bank/card accounts to detect recurring charges, track spending, and flag unwanted subscriptions.
Formerly Truebill — acquired by Rocket Companies in December 2021, rebranded in 2022
A full-featured budgeting and net-worth app that links bank/card and investment accounts to sync transactions, build flexible budgets, and track goals. Includes shared household access so couples can manage finances on one subscription.
Widely adopted as a Mint replacement
A zero-based budgeting system with a strong methodology and a real learning curve, centered on giving every dollar a job. You can link bank/card accounts for imports or enter transactions manually. It focuses on proactive budgeting rather than subscription cancellation.
A design-forward budgeting and net-worth tracker for the Apple ecosystem with AI-assisted transaction categorization and recurring-charge detection. Links bank/card and investment accounts. Strong choice for iPhone and Mac users who don't need Android.
No Android app — Apple platforms and a limited web app only
A budgeting app from Quicken focused on a real-time spending plan, cash-flow projections, and savings goals. Links bank/card and investment accounts and bills annually. A lower-cost, budgeting-first alternative to PocketGuard Plus.
A free net-worth, spending, and investment tracker that links bank/card and investment accounts. Best for portfolio and retirement visibility rather than subscription control. Because it's funded by Empower's advisory business, expect occasional outreach from financial advisors; there's no bill or subscription cancellation service.
Formerly Personal Capital
A simple, privacy-friendly manual subscription tracker for iPhone. You enter each subscription and renewal date yourself, and it reminds you before billing. No account linking and no recurring fee — the closest match to Gravity on privacy, though it doesn't provide cancellation instructions.
A subscription tracker and bill-negotiation service. It links bank/card accounts to surface recurring charges, and its paid tier adds concierge cancellation and a savings team that negotiates larger monthly bills like phone and internet on your behalf.
If PocketGuard's price is the problem: Quicken Simplifi delivers a comparable spend-focused budget for $3.99/month in year one — and note that PocketGuard's own $74.99/year plan (about $6.25/month) already beats its monthly rate. If the lifetime idea appeals to you, PocketGuard's $149.99 one-time plan is genuinely rare in this category; nothing else on this list matches it.
If you want more than a spendable number: Monarch Money (deep budgets, household sharing), YNAB (zero-based method, strongest habit-building), or Copilot Money (best Apple experience) are the upgrades. If subscription control was why you tried PocketGuard, Rocket Money's concierge goes further. And if you'd rather stop linking accounts altogether, Gravity handles renewal tracking and verified cancellation walkthroughs privately on iPhone, with Bobby as the minimal manual option.
PocketGuard's own pricing is the headline: its pricing page now shows paid plans only — $12.99/month, $74.99/year, or $149.99 lifetime, with a 7-day trial — a shift from the free-tier positioning it was long known for. Elsewhere, Hiatus premium now lists at $10/month or $48/year, Simplifi's intro rate is $3.99/month for the first year, and Monarch's Plus tier is $199.99/year. Prices here were checked against official pages on August 28, 2026, except Empower's, whose site blocks automated checks.
Yes. PocketGuard is an active app in 2026. Its pricing page now lists paid plans only — $12.99/month, $74.99/year (about $6.25/month), or a $149.99 lifetime option — with a 7-day trial and no free tier advertised. It links bank/card accounts to sync transactions and calculate its "In My Pocket" spendable number.
Gravity and Bobby. Gravity ($19.99/month or $59.99/year) is an iPhone app that tracks renewals and trials and gives official-source-verified, step-by-step cancellation instructions you follow yourself, with no financial accounts linked. Bobby is a manual iPhone tracker that's free with a small one-time unlock. Both keep your accounts unlinked.
If you want hands-off cancellation, Rocket Money's Premium concierge can contact a provider to cancel for you (it links bank/card accounts), and Hiatus offers similar help on its paid tier. If you'd rather cancel yourself without linking any accounts, Gravity provides verified, step-by-step instructions for each service.
Rocket Money, if hands-off cancellation is the goal: its Premium concierge contacts providers on your behalf, which PocketGuard doesn't do — PocketGuard surfaces recurring charges and gives cancellation instructions you follow yourself. PocketGuard's edge is budgeting: its 'In My Pocket' number is a simpler daily-spending guide. If you don't want either app's bank linking, Gravity provides verified step-by-step cancellation walkthroughs without any account access.
PocketGuard is the notable one: $149.99, paid once. Lifetime plans are rare among account-linking budget apps because bank-feed connections carry ongoing costs — Monarch, YNAB, Copilot, and Simplifi are all recurring subscriptions. Manual trackers are a different story: Bobby unlocks fully for a small one-time purchase, since it has no bank-feed overhead to fund.
Gravity is made by Viral App Labs LLC. Competitor details are drawn from each provider’s own public information and can change; check the provider’s current site before deciding.
Gravity
Gravity helps you track subscription renewals, monitor free trials, and keep a clean list of what still needs attention.
Gravity