When comparing BillGuard vs Home Budget with Sync, the Slant community recommends Home Budget with Sync for most people. In the question“What are the best personal finance tracker apps for Android? ” Home Budget with Sync is ranked 10th while BillGuard is ranked 15th. The most important reason people chose Home Budget with Sync is:
You only have to enter your Dropbox sign-in data and backups will happen automatically.
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Pros
Pro Nice User Interface
While it may not use the lollipop design guidelines, it still has a clean, simple, elegant interface.
Pro Strong protection against fraudulent activity
Many finance applications have this feature but BillGuard was designed to be first an applications that protects you against fraud and second finance tracker. BillGuard's data breach alert will send an alert if the application believes that a card's information has been hacked. Users can also help to report fraudulent charges to improve the service. If a gray charge is encountered, BillGuard will contact the merchant directly.
Pro Read-only access
BillGuard has a focus on privacy and security. All access to bank accounts is read only, so money can't be moved from within the application.
Pro Free and no advertisements
BillGuard is free with no advertisements. It is unclear how BillGuard makes money.
Pro All bank accounts and investments can be viewed in one place
Like a few other finance tracking applications out there BillGuard makes it convenient to make a budget and track spending by pulling in all bank accounts and investments into one convenient application.
Pro Flag or Approve all transactions
With a simple right swipe to approve or a left swipe to flag a transaction for review (a la Mailbox).
Pro Web applications
If you need to plan your budget or check on a fraudulent transaction BillGuard has you covered with a web application.
Pro Backup to Dropbox automatically in regular intervals
You only have to enter your Dropbox sign-in data and backups will happen automatically.
Pro There is a free (lite) version for you to try before you buy
Free version does not have the option to synchronize across multiple devices, but you can try all the options.
Pro Easy to use, fast to enter data
You even have Android widget that helps you enter your expenses in 4 taps (start, amount, account, expense category).
Pro Multiple accounts, multiple expense categories and subcategories
You can have as many accounts you want (and you can group them - either by currency or by type: credit cards, cash/wallets/envelopes), as many expense categories you want and subcategories (only 1 level in depth).
Pro Multiple platforms
Android, iOS, MacOS, Windows, Kindle.
Pro You can set up multiple user accounts
The whole family uses the same database which synchronizes in the background.
Cons
Con US support only
BillGuard is "currently limited to US credit cards and debit cards only, but our goal is to protect everyone and every bill around the globe." But if you are really interested in using BillGuard in another country then you can request that the BillGuard developers prioritize your country here.
Con Somewhat basic visuals and analytics
While other applications provide especially useful charts and graphs of income and spending, BillGuard's are somewhat basic and uninformative. The visuals consist of a simple pie chart of your spending for each month or each account and a line graph that shows the current month's transactions.
Con Mixing different currencies in reports
It has a problem with adding up amounts in different currencies when making reports.
Con Very few reports
Reports are very simple, but you can export data (send to e-mail) into CSV format and use some reporting tool like Power BI (which is free and very powerful) to make your own reports.
Con Windows PC version is too expensive and doesn't have that many options
$14.99 is too much for nothing to add to the smartphone version.