Do I need to connect my bank?

No. Never. You add subscriptions manually, which means Subkept never gets your bank credentials, transaction feed, or card history.

No. We are not an ad business and we do not sell personal data. The product works because people pay for the product, not because we squeeze value out of their information.

What happens if I cancel?

You can export your data, and when you close the account we delete the data associated with it. There is no dark-pattern off-ramp.

How is this different from Rocket Money or Mint?

Those tools lean on bank connections and transaction scraping. Subkept does not. You tell us what matters, we help you manage it, and your bank stays out of the loop.

PocketGuard has a free tier, but it requires linking a bank account. The Plus plan at $7.99 per month unlocks bill negotiation, debt payoff tools, unlimited accounts, and CSV export.

Does Subkept connect to my bank like PocketGuard?

No. Subkept never connects to any bank or financial account. Subscriptions are added manually.

Can I use PocketGuard without a bank connection?

No. PocketGuard's core feature — automatically detecting subscriptions from transactions — requires at least one connected account.

What is the PocketGuard Plus plan?

PocketGuard Plus costs $7.99 per month or $34.99 per year and adds bill negotiation, a debt payoff planner, unlimited account connections, custom categories, and CSV export.

Does Subkept detect subscriptions automatically?

No. Subkept is a manual tracker. You add each subscription yourself, which is the privacy feature: the app only knows what you choose to tell it.

Which has better data export?

Subkept includes CSV export on every plan, including the free tier. PocketGuard requires the Plus plan ($7.99/mo) for CSV export.

Subkept vs PocketGuard

Subkept

Privacy-first

VSUpdated May 2026

PocketGuard

Bank-linked budget tracker

Subkept vs PocketGuard: private tracker or bank-linked budget app

PocketGuard is a bank-linked budget app that detects subscriptions automatically from your transactions. Subkept is a manual tracker that never reads your bank. The difference is not just privacy — it is scope. PocketGuard is a full budget tool; Subkept is a focused subscription tracker.

Both Subkept and PocketGuard surface your subscriptions and recurring charges. The comparison ends there. PocketGuard pulls all your spending from connected bank and card accounts, categorizes it automatically, and shows you an "In My Pocket" figure for how much you have left to spend today. That is a budget app with subscription detection, not a subscription tracker.

Subkept never touches your bank. You add subscriptions yourself, the app tracks renewals and price changes, and it stays out of the rest of your finances entirely. If the only goal is knowing what you are paying for subscriptions each month, Subkept does that job without requiring any financial access.

The pricing comparison is also straightforward. Subkept is $5 per month or $35 per year, flat. PocketGuard is free with a bank link, or $7.99 per month for the Plus tier that adds bill negotiation, debt payoff tools, and CSV export.

Side-by-side: 16 features

Every row reflects the feature's status on each product's current public release.

Feature	Subkept	P PocketGuard
Bank connection required	No	Yes
Manual entry	Yes	No
Subscription tracking	Yes	Yes
Renewal reminders	Yes	Yes
Price-hike alerts	Yes	No
Trial countdown	Yes	No
Calendar view	Yes	No
Worth-It scoring	Yes	No
Bill negotiation	No	paid
Cancellation service	No	No
Multi-currency	Yes	No
Household sharing	Yes	No
Data export	Yes	paid
Free tier (no time limit)	Yes	bank link
Dark mode	Yes	Yes
Works offline / PWA	Yes	No

Swipe to see all columns →

Who should choose which

Choose Subkept if you...

You do not want any app reading your bank or credit card transactions.
You want a focused subscription tracker, not a full budget tool.
You want a flat, predictable price rather than a tiered upgrade model.
You want CSV export without paying for a premium tier.

Choose PocketGuard if you...

You want automatic subscription detection without manually entering each service.
You want a full budget app with an "In My Pocket" daily spending view.
You want bill negotiation on cable, internet, or phone bills.
You are comfortable connecting your bank accounts to a third-party app.

Honest tradeoffs

Things neither product's marketing page will tell you upfront.

PocketGuard auto-detects subscriptions. Subkept makes you add them yourself. If you have many cards and no idea what is charging you, manual entry is real work.

PocketGuard is a full budget app. Subkept only tracks subscriptions. If you want to understand all of your spending, not just subscriptions, PocketGuard covers more ground.

Subkept is cheaper and does not require bank access. PocketGuard needs both a bank link and a Plus plan to match Subkept's data export.

Frequently asked questions

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