PocketGuard links your bank accounts, including Canadian ones, and shows what you can still spend after bills, budgets and goals. It is priced in US dollars and has no free plan. Xpenses answers a similar question, what you will have at month end, from the bills and income you plan, without a bank link. If you want automatic bank sync, PocketGuard does that and Xpenses does not.
| PocketGuard | Xpenses | |
|---|---|---|
| Price | US$12.99/month, US$74.99/year or US$149.99 lifetime (all prices in US dollars) | Free plan; Pro $4.99/month or $44.99/year, plus applicable sales tax |
| Free trial or free plan | 7-day free trial; no free plan listed | Free plan with no time limit (one bank account) |
| Platforms | Web, iPhone, Apple Watch and Android | Web app on any device; iPhone and Android apps in preparation |
| Sharing | No dedicated couples mode; PocketGuard says partners sign in with the same login on both devices | Pro covers a shared wallet for two, each with their own login |
| Bank connection | Bank connectivity for the US and Canada | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | CSV bank statements into a cash account, filed under PocketGuard Plus features | CSV, OFX, QFX, QIF and CAMT statements |
| French | Canadian App Store listing: English only | English and French |
PocketGuard is the better fit if…
PocketGuard suits people who want their Canadian and US accounts synced automatically, an Apple Watch app, or a one-time lifetime price.
Xpenses is the better fit if…
Xpenses suits people who want a free plan, separate logins for a couple, French, and Pro at $44.99 a year in Canadian dollars, without linking a bank.
Sources
- PocketGuard pricing (2026-10-12)
- PocketGuard blog: Best budgeting apps for couples (2026-10-12)
- PocketGuard help: Import transactions from CSV (2026-10-12)
- PocketGuard on the App Store (Canada) (2026-10-12)
Xpenses prices and features as of October 11, 2026.