Looking for a PocketGuard alternative?

PocketGuard keeps things simple with its "In My Pocket" number: how much you can safely spend after bills and goals. It's a nice idea. But the free tier is tight, and like most of these apps, it's built US-first.

Why people look for a PocketGuard alternative

• The free tier caps you at two accounts. Enough to try it, not enough to see your whole picture. Unlimited accounts need PocketGuard Plus (about US$12.99/mo or $74.99/yr).
• Light on cashflow and investments. PocketGuard is a spending-and-budget app. It doesn't go deep on a cashflow view or investment tracking.
• US-first. PocketGuard does support Canadian banks, but coverage centers on the majors, spotty connections are a common complaint, and it's priced in USD.

OnTheBuck vs. PocketGuard

The difference

Both have a free plan, so this is a fair free-vs-free comparison. PocketGuard's free tier stops at two accounts and centers on one spendable number. OnTheBuck's free plan connects up to two banks too, but adds budgets, a cashflow view, net worth, and unlimited manual accounts, in CAD. When you outgrow free, Pro is CAD /mo (or $72/yr).

Who should pick which

• Pick PocketGuard if you like the single "safe to spend" number and only track a couple of accounts.
• Pick OnTheBuck if you want the fuller picture and Canadian, CAD-first tracking.

Start free and see where you stand.

Competitor details are current as of 2026; check their site for the latest pricing and features.