Single-user maths
One pot, one owner, no notion of shared responsibility.
SharedNest vs PocketGuard
A PocketGuard alternative for two pockets
'In My Pocket' for one pocket only.
PocketGuard's headline number — what is safe to spend — is genuinely useful when one person owns the whole picture.
In a household, safe-to-spend depends on who covers what. SharedNest works that out from your split rule and shows each person their own room to breathe.
What PocketGuard does well
- Clear safe-to-spend figure
- Subscription detection
- Simple onboarding
Where households outgrow it
No splitting or settling
Shared bills have to be reconciled elsewhere.
Paid features and bank reliance
The useful parts need a subscription and linked accounts.
PocketGuard vs SharedNest, side by side
| Feature | PocketGuard | SharedNest |
|---|---|---|
| Income-weighted splits | Not supported | Any ratio you choose, applied automatically to every shared expense |
| Private expenses | Not applicable | Mark any expense private — it counts for you, stays invisible to the household |
| Per-person view | One user | You / Household switch |
| Recurring bills | Detected from bank data | Defined once, split automatically |
| Price | Paid tiers | Free while we build |
Who SharedNest is for
Couples who want per-person clarity inside a shared budget.
Switching from PocketGuard
Set incomes and the split rule first; the per-person numbers follow.
Questions people ask
- Is there a safe-to-spend view?
- The pulse view shows budget headroom for you and the household.
- Does it find subscriptions?
- Recurring expenses are defined or suggested from your history.
- Do I need to connect a bank?
- No.
Ready to align on money — for good?
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.