PocketGuard protects your spending. Chortke protects your spending AND your data. No bank login, no cloud servers, no compromise.
Try Chortke Free$1.99/month or $9.99/year
$3.99/month or $34.99/year (USD)
PocketGuard is a budgeting app known for its 'In My Pocket' feature that shows how much you can safely spend. It connects to your bank accounts through Plaid and stores your financial data on cloud servers to calculate your available spending money.
Connecting bank accounts means sharing your most sensitive credentials with third parties.
PocketGuard uses Plaid to access your bank accounts. This requires sharing your online banking username and password with a third-party aggregator - your most sensitive financial credentials.
Chortke never asks for your bank login. Import transactions via PDF statements you download directly from your bank. Your credentials stay between you and your bank, period.
Traditional budgeting apps store your complete financial picture on external servers.
PocketGuard stores all your transactions, account balances, and spending patterns on their cloud servers. This data could be exposed in breaches, sold, or accessed by employees.
Chortke stores everything locally on your device with AES-256 encryption. We have no servers, so there's no central database to breach. Your data exists only on your iPhone.
Premium budgeting features shouldn't break the bank.
PocketGuard Plus costs $3.99/month or $34.99/year USD. That's about $47 CAD/year for features that require sharing your bank credentials and storing data in the cloud.
Chortke Premium is $1.99/month or $9.99/year - roughly 75% less than PocketGuard Plus, with complete data privacy included.
Chortke focuses on expense tracking, categorization, and insights rather than 'safe to spend' calculations. You can see your spending patterns and make informed decisions, but we don't calculate a specific 'leftover' amount. If that specific feature is critical to you, PocketGuard may be more suitable.
Currently, Chortke excels at tracking and visualizing your spending by category rather than enforcing limits. You get clear visibility into where your money goes, enabling you to make your own informed decisions about spending.
PDF import has trade-offs. It requires a small monthly action (downloading and importing your statement), but provides complete privacy. For many users, the peace of mind knowing their bank credentials are never shared is worth the extra minute each month.
Most users import monthly when their bank statement becomes available. You can import more frequently if you prefer - some banks offer weekly or even daily statements. The free tier allows 30 transaction imports per month; Premium offers unlimited.
Try Chortke free. No account required. Your financial data never leaves your device.
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