Debt payoff comparison
Changed vs PocketGuard
Updated
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Changed is a debt payoff app and PocketGuard is a budgeting app. Changed lists plans from $6 a month on its website, while PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. We checked both on Oct 24, 2026, and the official sources differ on 4 of the 10 rows in the table below.
Changed vs PocketGuard at a glance
Changed is a debt payoff app and PocketGuard is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 4 of the 10 rows in the table below.
Price and fees
Changed lists plans from $6 a month on its website. PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. We checked both on Oct 24, 2026.
Free trial
PocketGuard offers a 7-day free trial. We haven't verified this for Changed yet, so check the official site for Changed before you decide. We checked PocketGuard on Oct 24, 2026.
Platforms
Changed lists iOS. PocketGuard lists Web, iOS, Apple Watch and Android. We checked both on Oct 24, 2026.
Bank syncing
Changed links your loans and the bank and spending accounts you want it to track for round-ups. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge. We checked both on Oct 24, 2026.
Payoff methods
Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. We haven't verified this for PocketGuard yet, so check the official site for PocketGuard before you decide. We checked Changed on Oct 24, 2026.
Debt-free date
Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. We haven't verified this for PocketGuard yet, so check the official site for PocketGuard before you decide. We checked Changed on Oct 24, 2026.
Extra payments
Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. We haven't verified this for PocketGuard yet, so check the official site for PocketGuard before you decide. We checked Changed on Oct 24, 2026.
Features
PocketGuard lists goals, AI features and data export. We haven't verified the features for Changed yet. We checked PocketGuard on Oct 24, 2026.
App store rating
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. PocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
ChangedChanged lists plans from $6 a month on its website.
As of · gochanged.com
PocketGuard$12.99a month
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
Cost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.
As of · pocketguard.com/pricing
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Changed
- Not verified yet
- PocketGuard
- 7 days
Source
- Changed: Not verified yet.
- PocketGuard offers a 7-day free trial. pocketguard.com/pricing, as of Oct 24, 2026.
App Store rating
- Changed
- 4.65,654 ratings
- PocketGuard
- 4.67,681 ratings
Source
- Changed has 4.6 out of 5 on the App Store from 5,654 ratings. App Store listing, as of Oct 24, 2026.
- PocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Changed
- iOS
- PocketGuard
- Web
- iOS
- Apple Watch
- Android
Source
- Changed lists iOS. App Store listing, as of Oct 24, 2026.
- PocketGuard lists Web, iOS, Apple Watch and Android. pocketguard.com, as of Oct 24, 2026.
Bank syncing
- Changed
- Yes
- PocketGuard
- Yes
Source
- Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. gochanged.com/how-it-works, as of Oct 24, 2026.
- Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge. pocketguard.com, as of Oct 24, 2026.
Payoff methods
- Changed
- Debt Snowball
- Debt Avalanche
- Custom Plans
- PocketGuard
- Not verified yet
Source
- Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. App Store listing, as of Oct 24, 2026.
- PocketGuard: Not verified yet.
Debt-free date
- Changed
- Yes
- PocketGuard
- Not verified yet
Source
- Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. App Store listing, as of Oct 24, 2026.
- PocketGuard: Not verified yet.
Extra payments
- Changed
- Yes
- PocketGuard
- Not verified yet
Source
- Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. gochanged.com/how-it-works, as of Oct 24, 2026.
- PocketGuard: Not verified yet.
Payment reminders
- Changed
- Not verified yet
- PocketGuard
- Not verified yet
Source
- Changed: Not verified yet.
- PocketGuard: Not verified yet.
Features
| Feature | Changed | PocketGuard |
|---|---|---|
| AI features | Not verified yet | Listed by the source |
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Shared login: you both sign in to the same account |
| Data export | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Shared login means you both sign in to the same account, with no separate partner login. PocketGuard: pocketguard.com/pricing, as of Oct 24, 2026; Shared budgets: pocketguard.com/help/how-to-share-the-access-to-pocketguard-profile-with-another-person, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Accounts
Changed
No official screen found yet
PocketGuard
App Store marketing imageApp Store image with a tilted phone showing account balances and press logos with a user quote.App Store listing, as of
Budget
Changed
No official screen found yet
PocketGuard
App Store marketing imageApp Store image with the headline "Budget App to control your finances" showing estimated income and Regular payments.App Store listing, as of 
App Store marketing imageA plan screen with Estimated income and a Regular payments section listing bills with dates and amounts.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Tracking App to analyze expenses" showing a Spending & Budgets screen.App Store listing, as of 
App Store marketing imageA Spending & Budgets screen with category budgets and amounts left to spend.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Budget Planner to forecast a surplus" showing a Leftover of $2,965.App Store listing, as of 
App Store marketing imageA Leftover card showing $2,965.App Store listing, as of
Goals
Changed
No official screen found yet
PocketGuard
Google Play marketing imageGoogle Play image with the headline "Reach Goals" showing a Goals screen with New car, House and Vacation goals.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Debt Payoff" showing a debt payoff plan with Avalanche strategy and a debt free date.Google Play listing, as of
Reports and insights
Changed
No official screen found yet
PocketGuard
App Store marketing imageApp Store image with the headline "All accounts in One Pocket" over a tilted phone with a spending pie chart for July.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Budget, Goals and Expense Tracker in one pocket" showing a Leftover amount and a trends chart.Google Play listing, as of
Bills and recurring
Changed
No official screen found yet
PocketGuard
App Store marketing imageApp Store image with the headline "Bill Organizer for recurring bills & subscriptions" showing a Bills screen.App Store listing, as of 
App Store marketing imageA Bills screen with Upcoming and All tabs and bills grouped by month.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Subscription Manager to track and cancel subscriptions" showing a Cancel subscriptions screen.App Store listing, as of 
App Store marketing imageA Cancel subscriptions screen with a search box and a list of services with savings amounts.App Store listing, as of
Getting started
Changed
No official screen found yet
PocketGuard
App Store marketing imageApp Store image with the headline "Add bank accounts to simplify budgeting" showing a Connect banks & credit cards screen.App Store listing, as of
Other screens
Changed
App Store marketing imageApp Store image 1 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Changed listing.App Store listing, as of
PocketGuard
No official screen found yet
Changed and PocketGuard, side by side
Rows marked “Differs” are where the official sources say different things, and 4 rows do here.
Swipe the table sideways to see both apps.
| Field | ChangedDebt payoff appChanged is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.Visit Changed's site | PocketGuardBudgeting appPocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.Visit PocketGuard's site |
|---|---|---|
| Price and feesDiffers | Changed lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com | PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.As of Oct 24, 2026. Source: pocketguard.com/pricing |
| Free trial | Not verified yet. | PocketGuard offers a 7-day free trial.As of Oct 24, 2026. Source: pocketguard.com/pricing |
| PlatformsDiffers | Changed lists iOS.As of Oct 24, 2026. Source: App Store listing | PocketGuard lists Web, iOS, Apple Watch and Android.As of Oct 24, 2026. Source: pocketguard.com |
| Bank syncingDiffers | Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.As of Oct 24, 2026. Source: pocketguard.com |
| Payoff methods | Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Debt-free date | Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Extra payments | Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Not verified yet. |
| Payment reminders | Not verified yet. | Not verified yet. |
| Features | Not verified yet. |
|
| App store ratingDiffers | Changed has 4.6 out of 5 on the App Store from 5,654 ratings.As of Oct 24, 2026. Source: App Store listing | PocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
PocketGuard
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
As of . Source: pocketguard.com
Does it connect to my bank and import transactions?
Changed
Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
As of . Source: gochanged.com
PocketGuard
Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.
As of . Source: pocketguard.com
Can I export my data?
Changed
Not verified yet
PocketGuard
Yes. You can export your data.
In their words: “Import & Export transactions”
As of . Source: pocketguard.com
Is there support from the app's makers if I need help?
Changed
Yes. Message form and help center.
In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”
As of . Source: gochanged.com
PocketGuard
Yes. Email, AI chat and priority human support (paid plan).
In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.”
As of . Source: pocketguard.com
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Changed
Not verified yet
PocketGuard
No. Your partner signs in to your same account.
In their words: “You and your spouse can share the same PocketGuard profile together on different devices, you just need to sign in with the same login and password or use the same Google/Apple account (you'd better create a new one instead of using the personal one).”
As of . Source: pocketguard.com
Can we keep shared and individual views?
Changed
Not verified yet
PocketGuard
No. You both see the same shared view.
In their words: “At the moment, we don't have the option to switch between family and personal views.”
As of . Source: pocketguard.com
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
Changed
Not verified yet
PocketGuard
Yes. You can export your data and send the file.
In their words: “Import & Export transactions”
As of . Source: pocketguard.com
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderPocketGuard lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Changed and PocketGuard list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Changed nor PocketGuard feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does Changed cost?
Changed lists plans from $6 a month on its website. We checked this on Oct 24, 2026.
How much does PocketGuard cost?
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access. We checked this on Oct 24, 2026.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
Does PocketGuard have a free trial?
PocketGuard offers a 7-day free trial. We checked this on Oct 24, 2026.
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Keep comparing
- See Changed alternatives, closest category first.
- See PocketGuard alternatives, closest category first.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 2 of 15 facts
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesgochanged.com, as of Oct 24, 2026
- Free trialNot verified yet
- PlatformsApp Store listing, as of Oct 24, 2026
- Bank syncinggochanged.com/how-it-works, as of Oct 24, 2026
- Payoff methodsApp Store listing, as of Oct 24, 2026
- Debt-free dateApp Store listing, as of Oct 24, 2026
- Extra paymentsgochanged.com/how-it-works, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
PocketGuard6 of 6 verified, last checked Oct 24, 2026
- Price and feespocketguard.com/pricing, as of Oct 24, 2026
- Free trialpocketguard.com/pricing, as of Oct 24, 2026
- Platformspocketguard.com, as of Oct 24, 2026
- Bank syncingpocketguard.com, as of Oct 24, 2026
- Featurespocketguard.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
