PocketGuard links your accounts and shows how much is left to spend after bills, budgets, goals and debts. Xpenses answers a similar question, what is left at month end, from bills and income you plan, with or without a bank link. If you want a lifetime licence or Apple Watch support, PocketGuard offers both.
| PocketGuard | Xpenses | |
|---|---|---|
| Price | $12.99/month, $74.99/year or $149.99 lifetime | Free plan; Pro $3.99/month or $34.99/year |
| Free trial or free plan | 7-day free trial on all plans | Free plan with no time limit |
| Platforms | Web, iPhone, Apple Watch and Android | Web app on any device; iPhone and Android apps in preparation |
| Bank connection | 20,000+ institutions in the US, Canada and UK through Plaid, Finicity and Salt Edge | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| Import | Import and export transactions | CSV, OFX, QFX and QIF statements; export |
| Money left | Leftover: what you can spend or save after bills, budgets, goals and debts; upcoming bills | Month-end forecast on the free plan; daily forecast with low-balance warnings in Pro |
PocketGuard is the better fit if…
PocketGuard suits people who want linked accounts, a one-time lifetime price, and Apple Watch support.
Xpenses is the better fit if…
Xpenses suits people who do not want to link a bank, want a free plan, or share a wallet for two on one subscription.
Sources
- PocketGuard pricing (2026-10)
- PocketGuard home page (2026-10)
- PocketGuard help: Leftover (2026-10)
Xpenses prices and features as of October 11, 2026.