Money Tree
Money Tree vs PocketGuard
PocketGuard shows what is left to spend after bills and goals, and adds debt payoff tools. Money Tree has a similar Safe to Spend idea, plus streaks and a pay-period planner.
Last reviewed
At a glance
| Feature | Money Tree | PocketGuard |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | PocketGuard Plus is USD 12.99 a month or USD 74.99 a year in the App Store. Prices may vary by region. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Its own site offers a 7-day free trial of Plus and does not advertise a free plan. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync through third-party connectors including Plaid, Finicity, Salt Edge and Apple Wallet, with read-only access. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iPhone, Apple Watch, Android and web. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | A Leftover figure for everyday spending after bills, budgets, debts and goals, with category budgets. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | Banks and cards in the US, Canada and the UK. Elsewhere, the web app with manual entry. |
Where PocketGuard is stronger
- A simple Leftover view of what you can safely spend.
- Debt payoff tools on Plus.
- An Apple Watch app and a web app.
- Bank coverage through several connectors.
Where Money Tree is different
- Safe to Spend is there from the first day of the 7-day trial.
- Subscriptions and bills are detected for you, with a reminder before each is due.
- Savings goals and a pay-period planner, with a 30-day cash-flow forecast on Plus.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
Which should you choose?
Choose PocketGuard if paying down debt is your priority, or you want a web or Apple Watch app.
Choose Money Tree if you want a Safe to Spend number, plus a 30-day cash-flow forecast on Plus, streaks and goals.
Looking for a PocketGuard alternative? See what switching involves.
Questions
How does Money Tree's price compare with PocketGuard?
Money Tree has a 7-day trial of everything, with nothing held back. PocketGuard: Its own site offers a 7-day free trial of Plus and does not advertise a free plan.
Does PocketGuard connect to my bank?
Automatic sync through third-party connectors including Plaid, Finicity, Salt Edge and Apple Wallet, with read-only access. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use PocketGuard on?
iPhone, Apple Watch, Android and web. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://apps.apple.com/us/app/pocketguard-budget-tracker-app/id949414211 (Plus prices, 7-day trial, connectors, read-only access, iPhone and Apple Watch)
- https://pocketguard.com/pricing/ (7-day trial of Plus)
- https://pocketguard.com/help/what-countries-does-pocketguard-support/ (US, Canada and UK; manual entry on the web elsewhere)
- https://pocketguard.com/ (iPhone, Android and web, Leftover, debt payoff)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
PocketGuard is a trademark of its owner. Money Tree is not affiliated with or endorsed by PocketGuard. This page compares publicly available information and is not financial advice.