PocketGuard
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PocketGuard's core feature is the "safe-to-spend" number, which tells you how much you can safely spend today without cutting into bills, savings, or debt payoff. It tracks savings goals alongside this spending limit so you can save while staying on budget. The calculation updates as bills arrive and money moves, giving you a real-time picture of your available cash.
The free version covers basic goal tracking; the Plus plan adds debt payoff planning tools. It fits people who want a simple, straightforward answer to "how much can I spend?" rather than complex categories.