When comparing BillGuard vs PocketGuard: Personal Finance, the Slant community recommends BillGuard for most people. In the question“What are the best personal finance tracker apps for Android? ” BillGuard is ranked 15th while PocketGuard: Personal Finance is ranked 25th. The most important reason people chose BillGuard is:
While it may not use the lollipop design guidelines, it still has a clean, simple, elegant interface.
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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 Multiplatform (available for iOS and Android)
Pro All accounts in one place
You can connect all financial accounts with PocketGuard and spend only few minutes per day to track your money in one place. PocketGuard will automatically capture your bills, subscriptions and recurring income to set up a budget you can actually stick to.
Pro Timely alerts and reminders
You never miss any payments with timely alerts and reminders. Pay on time to avoid fees and extra charges.
Pro The high-security system protects
PocketGuard uses a read-only connection to your bank and the same security level is used by all major banks. Your data is also protected with a 4-digit PIN that only you know.
Pro Clear visualizations
PocketGuard uses clear charts and graphs to show you all financial picture.
Pro Bank balance and cash flow graphs help keep track of finances at a glance
Pro Informs you whether you can afford to make a large purchase
Pro Shows how much you are free to spend at any time
You can track day-to-day spending to see how much is free to spend.
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.