Alternatives to PocketGuard
A budgeting app that links your accounts and shows what is left to spend after bills. The listings below can replace it for an important use case. Each note says what changes if you switch.
The original
PocketGuard
A budgeting app that links your accounts and shows what is left to spend after bills.
Replacements
Listings that take over the same core job as PocketGuard.
YNAB
A subscription budgeting app built around zero-based budgeting, where every dollar is assigned a job.
YNAB replaces the leftover-to-spend view with hands-on zero-based budgeting, also as a paid subscription on web, Android and iOS with hosted data.
Monarch Money
A subscription money app that connects your accounts to track spending, budgets, net worth and goals.
Monarch Money is also a paid hosted app on web, Android and iOS, adding free shared access for a partner or adviser and goal tracking.
Rocket Money
A budgeting app that finds your subscriptions, helps cancel them and tracks monthly spending.
Rocket Money is freemium and focuses on finding and cancelling subscriptions, with custom monthly budgets, while still holding your financial data in its cloud.
Quicken Simplifi
A subscription budgeting app from Quicken that tracks spending, savings goals, investments and net worth.
Quicken Simplifi offers a similar left-after-bills budget view plus investment tracking with cost basis, but it is a paid web-only subscription.
Copilot Money
A paid personal finance app for tracking spending, budgets, investments and net worth on Apple devices and web.
Copilot Money is a paid app for iPhone, iPad, Mac and web with automatic transaction organisation, and it has no Android app.
EveryDollar
A zero-based budgeting app from Ramsey Solutions for planning a monthly budget and tracking spending.
EveryDollar uses zero-based monthly budgeting on the web with a free account to start, and it is tied to that single budgeting method.
Emma
A budgeting app that connects your bank accounts to track spending, bills, subscriptions and savings.
Emma is a freemium Android and iOS app tracking bills, subscriptions and savings across linked bank accounts, with investing and credit features aimed at UK users.
Actual Budget
Envelope budgeting that keeps your data on your own device and syncs between machines without a company in the middle.
Actual Budget is free and MIT licensed with local-first envelope budgeting, syncing through a server you run, though bank connections depend on your country.
Also worth comparing
These listings name PocketGuard as their own alternative, so the relationship runs both ways.
PocketSmith
A budgeting and cash-flow forecasting service that projects account balances into the future.
PocketGuard is a paid app on web, iOS and Android showing leftover money after bills, with subscription tracking and a debt payoff planner.
Toshl Finance
An expense tracker and budget app for Android, iOS and the web with multi-currency support.
PocketGuard is a paid app on web, iOS and Android that shows what is left after bills, tracking subscriptions and debt payoff through linked bank accounts.
Wallet by BudgetBakers
A personal and family finance app for expense tracking, budgeting and bank synchronization on web and Android.
PocketGuard is a paid app on web, iOS and Android that links accounts to show money left after bills, with a debt payoff planner and subscription tracking.
Wallos
Self-hosted tracker for subscriptions and recurring bills.
PocketGuard tracks subscriptions and recurring bills automatically through linked bank accounts on web, iOS and Android, as a paid hosted service after the trial.
Similar software
Related functionality, not a direct replacement.
Credit Karma
Free web service and mobile app for checking credit scores and reports and tracking spending.
Tiller
A service that feeds bank transactions and balances into your own Google Sheets or Excel spreadsheets.
Honeydue
A mobile finance app for couples to track shared money, bills and expenses together.
Lunch Money
A web-based budgeting and spending tracker with multi-currency support, bank syncing and a developer API.
