Spend Split vs PocketGuard
Which One Fits You?
Half the price — with lending tracking and real multi-currency support
PocketGuard’s pitch is simplicity: its "In My Pocket" number tells you what’s safe to spend. That’s handy, but the Plus subscription costs twice as much as Spend Split — and it can’t track money you’ve lent to friends or handle multiple currencies properly. Here’s the full picture.
| Feature | Spend Split | PocketGuard |
|---|---|---|
| Monthly price | $3.99/mo | $7.99/mo |
| Lending & borrowing tracker | Built-in, with due dates & partial payments | Not available |
| Multi-currency | 150+ currencies | Not supported |
| Receipt photo storage | Included with Premium | Not built-in |
| Free plan | Yes — 20 transactions/month | Yes — limited features |
| "Safe to spend" calculation | Budget progress indicators | In My Pocket number |
| Bank sync | Manual-first (no bank logins needed) | Automatic bank import |
Pricing and features as of June 2026 — check PocketGuard's site for their latest details.
Where PocketGuard shines
- •The "In My Pocket" safe-to-spend number is a nice at-a-glance metric
- •Automatic bank syncing in supported countries
- •Has a free tier
Where Spend Split shines
- Half the price — $3.99/mo vs $7.99/mo
- Dedicated lending & borrowing tracker with reminders
- 150+ currencies — PocketGuard has no multi-currency support
- Receipt photo storage for easy reference at tax time
- No bank logins required — your credentials stay with you
The verdict
PocketGuard is fine for a quick "can I afford this?" check. But for half the subscription price, Spend Split gives you full expense tracking, budgets, receipt storage, real multi-currency support, and the lending tracker nothing else in this price range offers.
Common questions
Is Spend Split cheaper than PocketGuard?
Yes — Spend Split Premium is $3.99/month, while PocketGuard Plus is $7.99/month (pricing as of June 2026). Both apps offer a free tier.
Does PocketGuard support multiple currencies?
No — PocketGuard doesn’t offer multi-currency support. Spend Split supports 150+ currencies, making it a better fit for travellers, students abroad, and anyone managing money across borders.
Does PocketGuard track money lent to friends?
PocketGuard doesn’t have a lending tracker. Spend Split has one built-in: track who owes you what, set due dates, and record repayments as they come in.
Try Spend Split free for 1 month
All Premium features included. No credit card required.
Download on the App StoreMore comparisons: Spend Split vs YNAB · Spend Split vs Monarch · Spend Split vs Mint · Spend Split vs Splitwise · Lending Tracker