PocketGuard vs Goodbudget
Not everyone needs a complex financial dashboard. PocketGuard tells you one number: what you can spend. Goodbudget brings the classic envelope system digital. Both are simpler than YNAB or Monarch—but which simple is better?
PocketGuard
Simple Spending Tracker
Best for: People who just want to know 'how much can I spend today?'
Pros
- Super simple 'In My Pocket' number
- Automatic bank sync
- Bill tracking and alerts
- Finds ways to lower bills
Cons
- Free version has limited features
- No expense splitting
- Premium is expensive for what it offers
- Can be buggy with some banks
Goodbudget
Digital Envelope Budgeting
Best for: Old-school budgeters who love the envelope system
Pros
- Classic envelope budgeting method
- Share envelopes with a partner
- Works without bank sync (more private)
- Web and mobile access
Cons
- No automatic bank connection
- Manual entry for everything
- Dated interface
- Limited expense splitting
Feature-by-Feature Comparison
| Feature | PocketGuard | Goodbudget |
|---|---|---|
| Bank Sync | ||
| Envelope Budgeting | ||
| Manual Entry | ||
| Partner Sharing | ||
| 'In My Pocket' Calculation | ||
| Bill Negotiation | ||
| Expense Splitting | ||
| Web Access | ||
| Free Tier | ||
| Modern Interface |
The Verdict
PocketGuard is better if you want automation and just need to know 'can I afford this coffee?' Goodbudget wins if you're committed to envelope budgeting and don't mind entering transactions manually. Both are missing the same thing: real expense splitting. If you have roommates or share costs with a partner, you're still stuck using Splitwise on the side. Savida combines that simple 'what can I spend' view with built-in expense splitting—no second app needed.
Why Not Get the Best of Both?
Savida combines budget tracking, expense splitting, and AI coaching in one app. No more switching between apps or paying for multiple subscriptions.