PocketGuard review

PocketGuard ranks fifth and stands out for its pricing options. Its budgeting is built around leftover money: after bills and goals, it shows what you can still spend, and you can switch to a custom strategy with unlimited category budgets and rollovers. It also includes a debt payoff plan, recurring bill tracking, subscription cancellation help, transaction rules and import and export, which helps when moving history over from a spreadsheet. It connects unlimited bank accounts and supports cash accounts and Apple Card. Apps cover the web, iPhone, Apple Watch and Android. The USD pricing page lists $74.99 a year, $12.99 a month or a $149.99 lifetime license, the only one-time purchase among the apps here. Connectivity is listed for the US and Canada, and there is no permanent free plan. We compared documented features and published prices; we did not test the app hands-on.

Who it is for

people who want a one-time purchase instead of a subscription

Price

$74.99 a year ($6.25 a month), $12.99 billed monthly, or $149.99 lifetime; 7-day free trial.

$6.25 /month Save $81/year Billed $74.99 yearly All prices in US Dollars
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Leftover or custom budgeting strategy with unlimited category budgets
• Rollover budgeting and custom savings goals
• Debt payoff plan and recurring bill tracking
• Unlimited bank accounts plus cash accounts and Apple Card
• Transaction rules, import and export

Strengths and weaknesses

• Strength: $149.99 lifetime option avoids a recurring subscription
• Strength: Yearly plan costs $6.25 a month
• Strength: Apps on web, iPhone, Apple Watch and Android
• Weakness: Bank connectivity is listed for the US and Canada only
• Weakness: No free plan, only a 7-day trial
• Weakness: Monthly billing costs $12.99

Key facts

• Price: $74.99 a year, $12.99 a month or $149.99 lifetime
• Free trial: 7 days
• Platforms: Web, iPhone, Apple Watch, Android
• Connectivity: US and Canada
• Budget style: Leftover or custom

Where it ranks

PocketGuard is No. 5 in our Best Budgeting Apps verdict.