Dedicated subscription tracker vs paywalled budgeting app
PocketGuard hides subscription tracking behind its Plus paywall at $12.99/mo. SubHorizon makes dedicated subscription intelligence the entire product, with AI parsing and analytics from $1.99/mo — a fraction of the cost, and every plan starts with a 14-day free trial.
Try the tracker built for AI tool spend
Start a 14-day free trial of SubHorizon while this PocketGuard comparison is fresh. No bank login required — you add subscriptions yourself or let the AI parser read a receipt.
- 14-day free trial on every plan
- Pro: up to 20 subscriptions, analytics, multi-currency
- Max: up to 200 subscriptions, AI parsing, smart recommendations
Budgeting app with subscription tracking behind paywall
Feature comparison
| Feature | SubHorizon | PocketGuard |
|---|---|---|
| Focus | 100% subscription management | Full personal finance & budgeting |
| Pricing | $1.99/mo / $5.99/mo · 14-day free trial | Free (limited) / $12.99/mo |
| Free tier | No (14-day free trial) | 2 budget categories, no sub tracking |
| Subscription tracking | Core feature (all plans) | Plus only ($12.99/mo) |
| AI receipt parsing | Yes (Max plan) | No |
| Pre-seeded AI tool catalog | Yes (18+ tools) | No |
| Bank login required | No (privacy-first) | Yes (required) |
| Multi-currency | 20+ currencies | USD primarily |
| Renewal alerts | 30/60/90-day proactive | Bill reminders (Plus only) |
| Spending analytics | Subscription-focused insights | "In My Pocket" overview |
| Platforms | Web (any device) | iOS / Android / Apple Watch |
| Budget goals | Yes | Yes (Plus only) |
| Calendar view | Yes | No |
| Export (PDF/CSV) | Yes | No |
The verdict
PocketGuard locks subscription tracking behind a $12.99/mo paywall. SubHorizon makes it the core product — $1.99/mo for Pro, with AI features at $5.99/mo, and a 14-day free trial on every plan. If you just need to track and manage subscriptions, SubHorizon delivers more value at every price point.
Choose SubHorizon if you want subscription tracking as the core product rather than a feature locked inside a budgeting app, prefer privacy (no bank login), need multi-currency support, or want AI receipt parsing and analytics for less than PocketGuard Plus costs.
Choose PocketGuard if you want a full budgeting app with bank integration, need an Apple Watch app, or want the "In My Pocket" spending overview alongside subscription tracking.
Frequently asked questions
Can I track subscriptions on PocketGuard for free?
No. PocketGuard's free tier is limited to 2 budget categories and does not include subscription tracking. You need PocketGuard Plus at $12.99/mo for that feature. SubHorizon has no free tier either, but subscription tracking is the core product on every plan: a 14-day free trial to start, then Pro at $1.99/mo for up to 20 subscriptions with analytics and calendar view included.
Is SubHorizon available on mobile like PocketGuard?
SubHorizon is a responsive web app that works on any device with a browser — iPhone, Android, desktop, tablet. PocketGuard has native iOS, Android, and Apple Watch apps. Both work well on mobile, but PocketGuard has the edge for Apple Watch users.
Does PocketGuard have AI features?
PocketGuard does not offer AI receipt parsing or a pre-seeded tool catalog. It uses bank transaction data to categorize spending. SubHorizon's Max plan ($5.99/mo) includes AI parsing that extracts subscription details from receipts and screenshots — still cheaper than PocketGuard Plus.
Keep evaluating the tracker workflow
Compare the product choice with AI-stack pricing, cancellation, and renewal-review resources.
Ready to take control of your subscriptions?
Start tracking your AI tool spending with a 14-day free trial. No bank login required — nothing is pulled from your bank accounts.