The closest alternatives to PocketGuard on Lister are Monarch Money, YNAB and Copilot, the companies that share the most rankings with it. Each is compared below on its stated best fit, starting price and Lister Score.
How to choose an alternative to PocketGuard
Start from what you need it for. Where each fits best, as Lister records it:
- Monarch Money: Holistic family wealth management
- YNAB: Intentional zero-based budgeting
- Copilot: Apple users seeking sleek UI design
- EveryDollar: Dave Ramsey method followers
- Cleo: Budgeting and humorous financial coaching
- You Need A Budget: Overcoming living paycheck-to-paycheck habits
- Emma: Detecting hidden fees and unwanted subscriptions
- Empower: Investment tracking and retirement forecasting
- GnuCash: Technical users wanting complete privacy and advanced accounting
- Personal Capital: High net worth individuals needing holistic wealth tracking
Closest to PocketGuard by the rankings they share: Monarch Money (3 rankings), YNAB (3 rankings) and Copilot (3 rankings).
Free to start, by their stated pricing: EveryDollar, Empower and GnuCash.
Stated starting prices: Monarch Money ($14.99 per month), YNAB ($99.00 per year), Copilot ($13.00 per month), Cleo ($5.99 per month), You Need A Budget ($14.99/month) and Emma (£4.99/month).
Each Lister Score is the alternative's score on the ranking named in its row, so compare scores within one ranking rather than across rankings. How the score is made.
Each alternative in brief
01
Modern household finance and budgeting
#1 in Top 10 Financial Planning Tools: A modern, customisable personal finance app designed for comprehensive household budgeting and account aggregation.
PROS- Ad-free experience with robust multi-user collaboration
- Extensive customisation for categories and dashboards
CONS- Higher subscription price than basic budgeting apps
- No free tier available beyond the trial period
95.0
02
Gain total control of your money
#1 in Top 10 Budget Planning Software: YNAB teaches the four rules method to prioritise spending before money is spent, using real-time bank connections and mobile app tracking. Focuses on behaviour change rather than passive reporting.
PROS- Transformative methodology for managing debt and saving
- Extensive educational resources and live workshops
CONS- Steep learning curve for new users
- Higher upfront annual cost than competitors
95.0
03
Your smart financial companion
#2 in Top 10 AI Budget Planners: A feature-rich, design-focused personal finance app that uses AI to categorise transactions and deliver personalised financial insights across all Apple devices.
PROS- Stunning user interface and native Mac app
- Smart categorisation that learns from user edits
CONS- Limited to Apple devices with no web version
- Requires a paid subscription after the trial
92.7
04
Create a budget that works
#4 in Top 10 Budget Planning Software: EveryDollar implements zero-based budgeting where every pound is allocated before the month begins. Includes debt payoff tools and integrates with The Dave Ramsey Show's financial principles for behaviour-driven money management.
PROS- Very easy and fast to set up a monthly budget
- Clean and uncluttered user interface
CONS- Automatic bank syncing requires the paid premium tier
- Limited investment tracking capabilities
88.0
05
The AI assistant that roasts your spending
#1 in Top 10 AI Financial-Planning Apps: An AI-powered financial assistant that uses a humorous and direct personality to help users budget, save money, and monitor spending habits.
PROS- Engaging and entertaining chat interface
- Effective overdraft alerts and spending breakdowns
CONS- Key features require a paid subscription
- The casual tone may not appeal to traditional investors
95.0
06
Gain total control of your money
#2 in Top 10 Financial Planning Tools: A popular budgeting application built around a proactive four-rule methodology for zero-based budgeting.
PROS- Highly effective methodology for changing spending habits
- Excellent educational resources and live workshops
CONS- Steep learning curve for beginners
92.7
07
#3 in Top 10 Expense Tracking Apps: Emma is a comprehensive money management app that aggregates banking, credit cards, pensions and investments in one dashboard. It tracks net worth, identifies subscriptions and savings opportunities, and provides personalised financial recommendations.
PROS- Great insights on bank charges and fees
- Built-in cashbacks and rewards
CONS- Customer support can sometimes be slow to respond
90.3
08
Wealth management and financial tools
#3 in Top 10 AI Financial-Planning Apps: A digital wealth management firm providing automated portfolio analysis, retirement planning tools, and optional human financial advisors.
PROS- Advanced free investment analysis tools
- Clear retirement planner calculator
CONS- Aggressive sales calls for wealth management services
- Focuses heavily on high net worth individuals for advisory
90.3
09
Open-source personal finance and small business accounting
#6 in Top 10 Budget Planning Software: GnuCash is free, open-source accounting software supporting double-entry bookkeeping for individuals and small businesses. Provides desktop applications for Windows, macOS, and Linux with no cloud vendor lock-in.
PROS- Completely free open-source software with no tracking or data collection
- Powerful double-entry bookkeeping for detailed financial analysis
CONS- Steep learning curve, requires understanding of accounting principles
- Desktop-focused, lacks modern mobile app experience
83.3
10
Empowering financial confidence
#7 in Top 10 Budget Planning Software: Personal Capital combines budgeting with wealth management and investment portfolio tracking. Offers free budgeting tools with optional access to fee-only financial advisors for comprehensive financial planning.
PROS- Comprehensive free financial tools
- Access to certified financial planners
CONS- High advisory fees for managed accounts
81.0