Cloaked positions itself as the all-in-one privacy app: email aliases, phone masking, data broker removal, password manager, two-factor authentication, AI call screening, dark web monitoring, SSN monitoring, and identity theft insurance -- all bundled into a single subscription. It is an ambitious pitch, but is Cloaked actually worth the price in 2026? We break down what you get, what you do not, and why a purpose-built data removal service like PrivacyOn delivers better results for the thing that matters most: getting your personal information off the internet.
What Does Cloaked Offer?
Cloaked's feature list is extensive. The service bundles together several privacy and security tools that would otherwise require separate subscriptions:
- Email aliases: Generate disposable email addresses to use when signing up for services, shielding your real inbox.
- Phone masking: Create masked phone numbers so you never need to give out your real number.
- Data broker removal: Cloaked claims to remove your data from 140+ data brokers.
- AI Call Guard: An AI-powered call screening feature that filters spam and robocalls.
- Dark web and SSN monitoring: Scans for your personal information on dark web marketplaces and monitors for misuse of your Social Security number.
- Identity theft insurance: $1 million coverage backed by AIG.
- Password manager: Built-in credential storage with autofill.
- Two-factor authentication (2FA): Integrated authenticator functionality.
The platform uses three-layer encryption and a zero-knowledge architecture, meaning Cloaked itself cannot access your stored data. A 14-day free trial lets you test the service before committing.
Cloaked Pricing in 2026
Cloaked offers three plan tiers:
- Individual: $9.99 per month (approximately $120 per year)
- Couple: $14.49 per month
- Family: $24.99 per month
Annual billing provides roughly 20% savings across all tiers. The 14-day free trial applies to all plans.
The DIY Alternative
You can replicate most of Cloaked's functionality with separate, dedicated tools at a lower total cost. For example: Incogni for data broker removal at approximately $76.71 per year (first year), SimpleLogin for email aliases at $30 per year, and Bitwarden for password management at $19.80 per year. Total: roughly $126.51 per year -- comparable to Cloaked's annual price, but with best-in-class tools for each function rather than a bundled generalist.
Cloaked's Strengths
To be fair, Cloaked does several things well:
- True all-in-one convenience. If you want a single app that handles aliases, phone masking, passwords, 2FA, and data removal, Cloaked is one of the few options that bundles everything together. There is real value in not managing five separate subscriptions.
- Zero-knowledge architecture. Cloaked's three-layer encryption and zero-knowledge design mean the company cannot access your stored credentials or personal data. This is a higher security standard than some competing password managers.
- AIG-backed insurance. The $1 million identity theft insurance policy is underwritten by AIG, a major insurer, giving it more credibility than insurance offered through smaller or less transparent providers.
- AI Call Guard. Automated call screening is a genuinely useful feature that most privacy-focused competitors do not offer.
Cloaked's Weaknesses
Despite the impressive feature list, Cloaked has notable shortcomings -- particularly when it comes to the feature most people care about: data broker removal.
Jack of All Trades, Master of None
Cloaked tries to do everything: aliases, phone masking, passwords, 2FA, data removal, monitoring, insurance, and call screening. The risk of this approach is that no single feature gets the depth of investment and expertise that a dedicated tool provides. A purpose-built data removal service focuses all of its resources on finding your listings, submitting removals, verifying completion, and monitoring for reappearances -- not on building password managers and phone masking systems.
Data Removal Depth
Cloaked claims 140+ broker coverage, but the quality and thoroughness of data removal varies significantly between services. How frequently does Cloaked re-scan? How does it handle brokers that reject initial removal requests? How does it verify that removals are actually completed? These details matter more than raw broker counts, and bundled services often lack the specialized processes that dedicated removal services have refined over years.
Price for What You Get
At $120 per year for an individual plan, Cloaked is not cheap. When you break down the component costs, you are paying a premium for the convenience of a single app. If data removal is your primary concern, you are spending significantly more than you would with a dedicated service.
Virtual Payment Cards Still Limited
Cloaked has announced virtual payment card functionality, but the feature is not yet widely available. If virtual cards are part of why you are considering Cloaked, verify that the feature is actually accessible in your region before subscribing.
Bundled Privacy Tools Often Compromise on Core Features
All-in-one privacy platforms face an inherent tension: building and maintaining best-in-class tools across multiple categories -- email aliasing, phone masking, password management, data removal, monitoring -- requires enormous investment in each area. Most bundled services do a decent job at several things but an excellent job at none. If one specific feature is your priority, a dedicated tool will almost always deliver better results.
PrivacyOn vs. Cloaked: Data Removal Compared
If your primary goal is removing your personal information from data broker and people-search sites -- which is the single most impactful thing you can do to protect your privacy -- PrivacyOn is the better choice. Here is how they compare on the features that matter:
Data Broker Coverage
- PrivacyOn: 100+ verified data brokers and people-search sites, with every removal actively confirmed.
- Cloaked: 140+ claimed brokers, but removal verification and depth are less transparent.
Monitoring
- PrivacyOn: 24/7 continuous monitoring that catches data reappearances as they happen and triggers immediate re-removal.
- Cloaked: Monitoring included, but cadence and re-removal processes are less clearly defined since data removal is one feature among many.
Dark Web Monitoring
- PrivacyOn: Included at no extra cost in all plans.
- Cloaked: Included, along with SSN monitoring.
Family Coverage
- PrivacyOn: Family plans covering up to 5 people at an affordable per-person rate.
- Cloaked: Family plan at $24.99 per month covers multiple users but at a significantly higher total price.
Price
- PrivacyOn: Starting at $8.33 per month.
- Cloaked: Starting at $9.99 per month for individuals.
Focus
- PrivacyOn: Purpose-built for data removal and privacy protection. Every resource goes into finding, removing, and monitoring your data across broker sites.
- Cloaked: Generalist platform that splits attention across aliases, phone masking, passwords, 2FA, insurance, call screening, and data removal.
Who Is Cloaked Best For?
Cloaked makes the most sense for people who:
- Want a single subscription that covers multiple privacy tools
- Do not already use a password manager or email aliasing service
- Value the convenience of an all-in-one platform over best-in-class performance in any single area
- Want phone masking and AI call screening features that standalone data removal services do not offer
Who Should Choose PrivacyOn Instead?
PrivacyOn is the better choice for people who:
- Want the most thorough, verified data broker removal available
- Need 24/7 continuous monitoring to catch data reappearances
- Already use a password manager and email alias service and do not need duplicates
- Want to protect their entire family with coverage for up to 5 people
- Prefer a lower starting price ($8.33/mo vs. $9.99/mo) for the core privacy features that matter most
- Want a service whose entire focus and expertise is removing personal data from the internet
The Verdict: PrivacyOn Delivers Better Data Removal
Cloaked is a solid product with genuine strengths, especially for users who want a single app for everything privacy-related. The zero-knowledge architecture is commendable, the AIG-backed insurance adds peace of mind, and features like AI Call Guard and phone masking are genuinely useful.
But when it comes to the feature that has the biggest impact on your actual privacy -- getting your personal information removed from data brokers and people-search sites -- PrivacyOn is the superior choice. It is purpose-built for data removal, offers 24/7 continuous monitoring, includes dark web monitoring in every plan, covers families of up to 5 people, and starts at a lower price point. You are not paying for a password manager and phone masking system you may not need. Every dollar goes toward the thing that matters most: keeping your personal data off the internet.
If privacy protection is your priority, start with PrivacyOn at $8.33 per month. You can always add specialized tools for email aliasing or phone masking later if you need them -- but your data removal will be handled by a service that does nothing else, and does it better.