BillGuard vs SmartAmount

While it may not use the lollipop design guidelines, it still has a clean, simple, elegant interface.

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.

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.

BillGuard is free with no advertisements. It is unclear how BillGuard makes money.

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.

With a simple right swipe to approve or a left swipe to flag a transaction for review (a la Mailbox).

If you need to plan your budget or check on a fraudulent transaction BillGuard has you covered with a web application.

SmartAmount has interesting original features, like future fund prediction.

Unlike other money focused apps, this one is very simple to use and can be learned in few minutes.

Users can initially add all recurring incomes and expenses to have a rough estimate. If users forget to register occurrences for long period of time, that is not an issue as all that needs done is for the user to set their current amount and the app will adapt all of its charts and statistics.

All data is encrypted, and there is a built in user set password.

App is available in all world countries, and supports all world currencies.

You can easily see how next expenses change your future money availability. You can see it graphically (by chart), or through calendar view

You can backup in text format (JSON) so you really OWN your data, and you can read it directly from file, if needed