# Alternatives to PocketGuard

How much is safe to spend.

PocketGuard ranks #8 of 14 in Budgeting apps, with an Alt Score of 68. It is proprietary and freemium from $74.99/year. 8 of 10 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/pocketguard/
Category: Budgeting apps

## Overview

- **Who it's for**: People who want a simple way to see what they can actually afford to spend day to day, including budgeting beginners and anyone managing bills, debt, and savings goals across multiple accounts.
- **What you get**: PocketGuard links to your bank, credit card, loan, and investment accounts and calculates an 'In My Pocket' figure showing what's left to spend after bills, savings goals, and necessities are accounted for. It auto-categorizes transactions across 70+ budget categories, tracks recurring bills and subscriptions, and includes a debt payoff planner and net worth tracking.
- **How it works**: You connect your financial accounts, set budget categories and savings goals, and the app automatically pulls in and categorizes transactions to update your In My Pocket number in real time as you spend.

## Profile

- **License**: Proprietary (verified 2026-07-11)
- **Pricing model**: Freemium (verified 2026-07-11)
- **Starts at**: $74.99/year (verified 2026-07-11)
- **Platforms**: ?
- **Status**: active (verified 2026-07-11)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Lunch Money](https://altcatalog.com/alternatives/lunch-money.md) | 86 | Proprietary | Web, iOS, Android |
| 2 | [Quicken](https://altcatalog.com/alternatives/quicken.md) | 82 | Proprietary | Windows, macOS |
| 3 | [Simplifi](https://altcatalog.com/alternatives/simplifi.md) | 82 | Proprietary | Web, iOS, Android |
| 4 | [Actual Budget](https://altcatalog.com/alternatives/actual-budget.md) | 78 | MIT | Windows, macOS, Linux, Web |
| 5 | [YNAB](https://altcatalog.com/alternatives/ynab.md) | 73 | Proprietary | Web, iOS, Android |
| 6 | [GnuCash](https://altcatalog.com/alternatives/gnucash.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 7 | [KMyMoney](https://altcatalog.com/alternatives/kmymoney.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 8 | [Goodbudget](https://altcatalog.com/alternatives/goodbudget.md) | 64 | Proprietary | iOS, Android, Web |
| 9 | [Monarch Money](https://altcatalog.com/alternatives/monarch-money.md) | 64 | Proprietary | Web, iOS, Android |
| 10 | [Copilot Money](https://altcatalog.com/alternatives/copilot-money.md) | 60 | Proprietary | macOS, iOS, Web |
| 11 | [EveryDollar](https://altcatalog.com/alternatives/everydollar.md) | 60 | Proprietary | Web, iOS, Android |
| 12 | [Firefly III](https://altcatalog.com/alternatives/firefly-iii.md) | 60 | AGPL-3.0 | Web |
| 13 | [HomeBank](https://altcatalog.com/alternatives/homebank.md) | 60 | GPL-2.0 | Windows, macOS, Linux |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Budgeting apps checklist | PocketGuard | Lunch Money | Quicken | Simplifi | Actual Budget | YNAB |
|---|---|---|---|---|---|---|
| Pricing model | Freemium | Subscription | Subscription | Subscription | Free | Subscription |
| Starts at | $74.99/year | $100/year | $3.49/month | $2.99/month | ? | $109/year |
| License | Proprietary | Proprietary | Proprietary | Proprietary | MIT | Proprietary |
| Platforms | ? | Web, iOS, Android | Windows, macOS | Web, iOS, Android | Windows, macOS, Linux, Web | Web, iOS, Android |
| Bank sync (regions) | Yes | Yes | Yes | Yes | Partial | Yes |
| Manual entry mode | Yes | Yes | Yes | Yes | Yes | Yes |
| Envelope / zero-based budgeting | No | Partial | No | Yes | Yes | Yes |
| Investment tracking | Yes | Yes | Yes | Yes | Partial | No |
| Multi-currency | ? | Yes | Yes | No | Partial | No |
| Shared budgets | Yes | Yes | Partial | Yes | Yes | Yes |
| Reports & net worth | Yes | Yes | Yes | Yes | Yes | Yes |
| CSV import | Yes | Yes | Yes | Yes | Yes | Yes |
| Local-only data option | ? | ? | Partial | No | Yes | ? |
| Subscription price | Partial | Yes | Yes | Yes | No | Yes |

## Sources

Sources for PocketGuard. Each alternative is sourced on its own page.

- **License**: Proprietary — <https://pocketguard.com/blog/pocketguard-vs-ynab/> (verified 2026-07-11)
  - Quote: “© 2015-2026 PocketGuard, Inc. All Rights Reserved”
- **Pricing model**: Freemium — <https://apps.apple.com/us/app/pocketguard-budget-planner-app/id949414211> (verified 2026-07-11)
  - Quote: “Free · In‑App Purchases”
- **Starts at**: $74.99/year — <https://pocketguard.com/pricing/> (verified 2026-07-11)
  - Quote: “Billed $74.99 yearly”
- **Status**: active — <https://pocketguard.com/blog/pocketguard-vs-ynab/> (verified 2026-07-11)
  - Quote: “© 2015-2026 PocketGuard, Inc. All Rights Reserved”
- **Bank sync (regions)**: Yes — <https://pocketguard.com/pricing/> (verified 2026-07-11)
  - Quote: “Best-in-class connectivity (US & CA)”
- **Manual entry mode**: Yes — <https://pocketguard.com/blog/the-newbies-guide-to-pocketguard/> (verified 2026-07-11)
  - Quote: “You can create cash transactions manually, and the system will automatically calculate your cash account balance.”
- **Envelope / zero-based budgeting**: No — <https://pocketguard.com/blog/pocketguard-vs-ynab/> (verified 2026-07-11)
  - Quote: “PocketGuard automates budgeting around your existing habits. YNAB asks you to replace those habits with new ones.”
- **Investment tracking**: Yes — <https://pocketguard.com/net-worth/> (verified 2026-07-11)
  - Quote: “We'll sync your investment balances, and any holdings you have so you know how you're invested.”
- **Shared budgets**: Yes — <https://pocketguard.com/budgeting/> (verified 2026-07-11)
  - Quote: “Share access to your plan with your partner or a financial advisor so you're always on the same page.”
- **Reports & net worth**: Yes — <https://pocketguard.com/budgeting/> (verified 2026-07-11)
  - Quote: “Use several data connectors to track your net worth”
- **CSV import**: Yes — <https://pocketguard.com/help/import-transactions/> (verified 2026-07-11)
  - Quote: “Attach your bank statement in a CSV file, including all transactions”
- **Subscription price**: Partial — <https://pocketguard.com/pricing/> (verified 2026-07-11)
  - Quote: “$12.99/month”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/