PocketGuard

PocketGuard is built for people who tend to overspend. Instead of asking you to plan every category, it adds up your income, takes out bills, savings goals and regular costs, and gives you one Leftover number. If that number is getting small, you know to slow down.

You can still go deeper. There are unlimited category budgets with rollover, custom categories and rules that sort transactions for you. A bills view shows what's recurring and what's due soon, and subscription tracking spots charges that repeat so you can decide what to cancel. Cash accounts let you log spending that never touches a card.

Bank connections cover the US and Canada. Most features sit behind the paid plan, and the lifetime option can be a good deal if you know you'll stick with it. If you want a hands-off answer to "can I afford this?", PocketGuard is a solid pick. If you want a detailed plan for every dollar, a zero-based app will suit you better.