PocketGuard

PocketGuard focuses heavily on helping you understand how much money you actually have available to spend, which can be easier to follow than a complicated budget containing dozens of categories.

PocketGuard makes it easy to connect a supported account and organize your transactions right from the app. You can then create a budget based on the approach that makes sense for you, including category-based or envelope-style methods.

The app also tracks recurring bills and subscriptions, which can help you understand how much of your income is already committed before you start spending on anything optional.

It also includes a debt payoff tool to help you understand how much money you need to pay off all your debts. If you’re debt-free (congrats) or have a goal in mind, you can also set financial goals and use PocketGuard’s planning features to track your progress.

Unfortunately for international users, PocketGuard’s bank connection feature works only in the US and Canada, although its other features work fine for anyone who wants to manually enter their transactions.

To use PocketGuard’s features, you’ll need to pay for an annual or monthly subscription. But you can try it before actually committing to a subscription.