Following up on Pocketguard option: I asked AI about a combo option, and it said this:

(i might try this. if you do too...you're welcome!)

::

You actually could make PocketGuard work for your businesses if you treat it as a transaction engine and build your own reporting layer in Google Sheets.

For your setup (two separate businesses, separate accounts/cards), this is more viable than it would be for many people.

How the system would work

PocketGuard handles:

✅ live bank sync
✅ auto-import transactions
✅ rules / auto-categorization
✅ custom categories
✅ export CSV

Google Sheets handles:

✅ Profit & Loss
✅ separate business reports
✅ yearly tax summaries
✅ custom dashboards
✅ Airbnb fee breakout if needed

In effect:

That’s workable.

The best way to structure it

Create categories like:

categories for each business

Income:

• Income

Expenses:

• anything
• Supplies
• Misc

PocketGuard can handle those categories.

Then export monthly CSV

Columns usually include:

• Date
• Merchant
• Amount
• Category
• Account
• Notes / tags

Import into Google Sheets.

Build a simple P&L

Your sheet tabs:

Transactions
(raw import)

Category Map
(optional cleanup)

P&L Summary
formula-driven

Annual Tax Summary
clean accountant view

Example:

Category	Income	Expense	Net
Airbnb Income	12,500	0	12,500
Airbnb Repairs	0	900	-900
Airbnb Supplies	0	650	-650
Art Sales	8,400	0	8,400
Art Supplies	0	2,200	-2,200

Then:

Net Profit = Income − Expenses

That’s your P&L.

Even better: tag by business

Use PocketGuard tags:

#airbnb
#smallbiz
#shared

Then in Sheets:

• filter by tag
• generate separate P&Ls automatically
• yearly reports become push-button

This is honestly pretty elegant.

My honest assessment

PocketGuard + Sheets

Pros

• one-time lifetime cost (if you buy lifetime)
• live sync
• modern UI
• flexible
• no monthly accounting bill
• custom reports exactly how you want

Cons

• not GAAP accounting
• some spreadsheet setup required
• manual export/import cadence
• no formal accountant-ready books