Quick comparison: Ziko vs PocketGuard
| Feature | Ziko | PocketGuard |
|---|---|---|
| Price | Free No subscription | Free + paid Plus tier for more features |
| Monthly budgeting | Yes | Varies |
| Category tracking | Yes | Varies |
| Bank login required | No Manual tracking | Often yes |
| Best for | Manual monthly planning + privacy | Auto-import and “in my pocket” view |
Who Ziko is best for
You want control over every entry
Manual logging builds awareness — you decide what counts in your budget.
You don’t want bank credentials shared
Ziko never requires a bank login or third-party transaction sync.
Next steps
- Start with a plan: Monthly Budget Calculator
- Pick categories fast: Budget Categories List
- Budget your month in Ziko: Create free account
Ready to try Ziko free?
Plan your month with income, fixed bills, and category caps — private manual tracking, no subscription, no bank login.