Comparison
PocketGuard alternative: "what can I spend" with the dates attached
PocketGuard's "In My Pocket" number is a great idea — how much you can safely spend after bills and savings. This app starts there and adds the dimension PocketGuard leaves out: the date. The safe number changes as bills land, and a dated projection shows exactly when.
- Safe-to-spend view
What remains after upcoming bills and savings — the number that matters.
- The number by date
See how safe-to-spend changes across the month as bills land.
- Recurring bills automatic
Bills repeat into the future so the safe number stays current.
- No bank link
The same answer, from the data you enter — no credentials.
The "in my pocket" math
Safe to spend = balance now, minus the bills due before your next income. The calculation is simple; keeping it current is the hard part. With recurring items on a calendar, the safe number updates itself every time you add or edit a transaction.
PocketGuard vs. the calendar approach
| PocketGuard | Cashflow Calendar | |
|---|---|---|
| Signature feature | "In My Pocket" safe-to-spend | Dated projection of the balance |
| Bank linking | Required for automatic tracking | None by design |
| Pricing | Free with premium tiers | Free core, one-time Pro |
| Timing visibility | One number | Number by date, dips flagged |
Frequently asked questions
Is there a free PocketGuard alternative?
Yes. Cashflow Calendar's safe-to-spend planning, calendar and reports are free forever.
Does it calculate what I can spend?
Yes — the projected balance after bills shows your real spending room, by date.
Do I need to connect a bank?
No. Manual entry and CSV import are the designed path.
The safe number, by date
Free core, one-time Pro, no bank feed.