Subskim vs PocketGuard
PocketGuard is a budgeting app for web, iPhone, Apple Watch and Android that can link to bank accounts in the US, Canada and the UK to find bills and subscriptions, with alerts before upcoming charges and a bill negotiation service through its partner Billshark. Subskim is a free renewal calendar you fill in by hand or from a screenshot, with no bank connection, each subscription in its own currency and a monthly Skim review; its email and push reminders are coming next.
Last updated October 15, 2026
Subskim vs PocketGuard, feature by feature
| Feature | Subskim | PocketGuard |
|---|---|---|
| How subscriptions get in | Added by hand or imported from a screenshot of a billing page, up to 50 imports a month | Detected automatically from linked bank accounts; bills it doesn't find are added by hand |
| Bank connection | Not needed; Subskim never asks for bank logins | Optional, but needed for automatic detection; read-only access through data connectors Finicity, Plaid, Salt Edge and Apple Wallet, with bank and card links in the US, Canada and the UK |
| Currencies and countries | Each subscription keeps its own currency; totals convert to your main currency | No multi-currency transactions, per PocketGuard's blog; in Europe, Australia and Latin America, its help center says to add accounts and transactions by hand on the web app |
| Renewal calendar | Yes, the core view, plus a list and a dashboard with monthly and yearly totals | A list of recurring bills and subscriptions on web and mobile, with paid and predicted bills for this month and next |
| Reminders | Not yet; email and push reminders are coming next | Yes, a notice 3 days before an upcoming charge, by push or email |
| Canceling and bill negotiation | No; Subskim does not cancel subscriptions or negotiate bills for you | Cancellation instructions, then you cancel with each service yourself; partner Billshark negotiates cell phone, cable and WiFi bills and takes a cut of the savings only if it succeeds |
| Monthly review and budgeting | The Skim, a monthly review of each subscription: keep, downgrade, cancel or later; no budgeting or net worth | A full budgeting app: zero-based, envelope, 50/30/20 or custom budgets, a monthly budget review, a debt payoff plan, savings goals and net worth tracking; some features need Plus |
| Apps | Web now; iOS and Android coming soon | Web, iPhone, Apple Watch and Android |
| Price | Free, every feature included, no card to sign up | Free core features, per Google Play; Premium (also called Plus) $12.99/month, $74.99/year or $149.99 lifetime in USD, with a 7-day free trial; prices may vary by region |
Choose Subskim if
- You want to track subscriptions without linking a bank account, with every feature free and no card needed to sign up.
- You pay for tools in more than one currency and want each subscription kept in its own currency, with totals in your main one.
- You want free trials flagged with the date they convert and the price, and a monthly review to keep, downgrade or cancel each subscription.
Choose PocketGuard if
- You bank in the US, Canada or the UK and want bills and subscriptions found in your linked accounts, with a notice 3 days before each charge today.
- You want a full budgeting app with budgets, a debt payoff plan, savings goals, net worth and CSV import and export of transactions (some features need Plus).
- You want PocketGuard's partner Billshark to negotiate your cell phone, cable or WiFi bills, paying it a cut only if it saves you money.
PocketGuard details checked on October 15, 2026 from PocketGuard's public pages. Plans and features change, so check their site for the latest.PocketGuard pricing pagePocketGuard Recurring feature pagePocketGuard Cancel Subscriptions feature pagePocketGuard Lower My Bills feature pagePocketGuard Net Worth Tracker feature pagePocketGuard Security pageHelp: What countries does PocketGuard support?Help: What are the benefits of linking accounts in PocketGuard?Help: BillsHelp: PocketGuard Plus: Features and BenefitsHelp: Import Transactions from CSVPocketGuard blog: PocketGuard vs EveryDollar (last updated October 7, 2026)PocketGuard on the App Store (US)PocketGuard on Google Play
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