Ivy vs. Cloaked: Which Privacy App Gives You More for Your Money in 2026?

You're tired of spam emails, worried about data breaches, and frustrated by managing multiple privacy tools. Both Ivy and Cloaked promise to solve these problems, but one costs 12 times more than the other.

This comparison breaks down everything you need to know about Ivy vs. Cloaked in 2026, from pricing and features to real-world performance. By the end, you'll know which app delivers better value for your privacy needs.

Quick Comparison Overview

The numbers tell a clear story: Cloaked costs over $440 more per year while missing Ivy's standout AI protection feature.

Pricing: The Big Difference

Ivy Pro starts at $10.99/month ($99/year - about $8.25/month), while Cloaked charges $39.99 per month. That's a significant price gap.

Here's what that looks like over time:

• Year 1: Ivy saves you $440.88
• Year 3: Ivy saves you $1,322.64
• Year 5: Ivy saves you $2,204.40

Ivy Pro at $99/year includes 500 masked emails, 2 masked phone numbers, and AI phishing protection - still less than 3 months of Cloaked.

Ivy offers a free plan to get started, and no credit card is required to sign up.

Feature Comparison

Core Privacy Features

Ivy delivers the essentials most people need:

• 500 masked emails (covers typical signup needs)
• Virtual cards (live in US: Free 3 / Pro 12)
• 2 masked phone numbers (US only)
• Unlimited password storage
• Cross-device sync

Cloaked offers unlimited everything but at a premium price:

• 500 masked emails
• virtual cards (live in US)
• Multiple masked phone numbers
• Team sharing features

The reality check: Most people don't need unlimited masked identities. Ivy's limits work for 95% of typical internet activity while keeping costs reasonable.

Payment Card Features

Ivy's virtual cards are live in the US. Once available, you'll be able to generate a card for a specific purchase and cancel it instantly if anything looks off.

Cloaked offers virtual cards (live in US) that you can fund multiple times. This adds convenience for recurring payments but increases complexity.

Winner: Tie. Ivy's approach is simpler and sufficient for most users. Cloaked wins if you need extensive card management.

AI Protection Capabilities

This is where Ivy pulls ahead significantly.

Ivy's AI threat detection flags malicious sites before you click them. The system analyzes URLs in real-time with a 99.9% detection rate and sub-1-second response time. You browse with protection that works before you even know you need it.

Cloaked lacks AI protection entirely. It focuses purely on identity masking without proactive threat detection.

Why this matters: Password managers and basic privacy tools only react after threats reach you. Ivy stops phishing attempts, malicious downloads, and fraudulent sites at the source.

Winner: Ivy by a landslide. This feature alone justifies the price difference for many users.

Identity Masking Features

Email Masking

Ivy gives you up to 500 masked email addresses (Pro plan) that forward to your real inbox. You can create them instantly during signups and delete them if they get compromised.

Cloaked offers 500 masked emails with more advanced filtering and organization features.

Phone Number Masking

Ivy includes 2 masked phone numbers (US) that forwards calls and texts to your real number.

Cloaked provides multiple masked phone numbers with advanced call routing options.

Winner: Cloaked for power users who need extensive identity management. Ivy for everyone else who wants solid protection without complexity.

User Experience and Setup

Ivy focuses on simplicity. The app works as a Chrome extension (iOS and Android coming soon). Setup takes minutes, and the interface stays clean and intuitive.

Cloaked offers more granular controls but with added complexity. The learning curve is steeper, especially for non-technical users.

Both apps sync across devices, but Ivy's zero-knowledge encryption makes daily use secure. Your data is encrypted on-device before syncing - Ivy can never read it.

Winner: Ivy for ease of use. Cloaked for advanced customization.

Security and Compliance

Both apps take security seriously:

Ivy uses:

• Zero-knowledge encryption (AES-256)
• SOC 2 Type II certification
• GDPR compliance
• Biometrics stored on-device only

Cloaked offers:

• End-to-end encryption
• Privacy-focused architecture
• Regular security audits

Winner: Tie. Both apps meet enterprise-grade security standards.

Which App Should You Choose?

Choose Ivy if you:

• Want comprehensive protection at an affordable price
• Need AI-powered threat detection
• Prefer simple, automatic security
• Don't need unlimited masked identities
• Value proactive protection over reactive tools

Choose Cloaked if you:

• Need 500 masked emails and phone numbers
• Require extensive identity management features
• Don't mind paying premium prices
• Can manage without AI threat detection
• Need advanced team sharing capabilities

For most people, Ivy delivers better value. You get essential privacy features plus AI protection that Cloaked doesn't offer, all at a fraction of the cost.

The price difference is substantial enough that Ivy could prevent just one fraud incident and pay for itself for multiple years. Meanwhile, Cloaked's unlimited features often go unused by typical internet users.

Ready to try Ivy's AI-powered protection? Learn more at getivy.ai and start your free trial without entering a credit card.

FAQs

Q: Can I switch from Cloaked to Ivy without losing my masked identities? A: You'll need to recreate your masked emails and virtual cards in Ivy, but the transition is straightforward. Ivy Pro includes 500 masked emails and 12 active cards, covering most users' existing setups.

Q: Does Ivy work internationally like Cloaked? A: Yes. Ivy works internationally as a Chrome extension today, with iOS and Android apps coming soon. Both services support international users, unlike some competitors that limit availability to specific countries.

Q: How does Ivy's AI protection compare to antivirus software? A: Ivy's AI focuses specifically on web threats like phishing sites and malicious links. It complements traditional antivirus by stopping threats before they reach your device, while antivirus scans files after download.

Q: Can I start with a free plan and upgrade later? A: Yes, you can upgrade from Free to Pro anytime. Ivy Pro ($10.99/month or $99/year) adds 500 masked emails, 2 masked phone numbers, and enhanced AI features - still costing less than 3 months of Cloaked.

Q: Do both apps work with all browsers? A: Ivy offers a browser extension for Chrome and Chromium-based browsers (Edge, Brave, Arc). Cloaked offers extensions for Chrome, Firefox, Safari, and Edge. Mobile apps on iOS and Android are coming soon for Ivy.

Q: What happens to my virtual cards if I cancel either service? A: Active virtual cards continue working until their expiration dates, but you can't create new ones. Both services recommend downloading your data before canceling.

Q: Is the price difference worth Cloaked's unlimited features? A: For most users, no. Ivy Pro's 500 masked emails handle typical internet activity, while the AI protection that Cloaked lacks provides significant additional value at a much lower cost.

Conclusion

Cloaked offers unlimited identity masking features but at a premium price that puts it out of reach for many users. Ivy delivers the privacy protection most people actually need, plus AI threat detection that Cloaked doesn't offer, starting at $10.99/month ($99/year).

The choice comes down to your priorities: pay 12 times more for unlimited features you might not use, or get comprehensive protection with AI capabilities at an affordable price.

For most privacy-conscious internet users, Ivy provides better value and more complete protection in 2026.