Buy it once. Keep it.
Nearly every budgeting app now rents you your own spending history. Pocket Clear's Lifetime plan is one payment for every Pro feature — no renewal, no price increases, nothing to cancel.
What a lifetime plan is
A lifetime plan is a one-time purchase that unlocks an app's paid features permanently, instead of billing you every month or year. In budgeting software they have become rare: the category standardised on subscriptions after Mint's shutdown, and the major apps — YNAB, Monarch Money, Copilot, Quicken Simplifi, EveryDollar — are subscription-only with no one-time option at any price.
Pocket Clear keeps one. $200 once (₹4999 in India), plus applicable taxes, unlocks the complete Pro feature set on iPhone and Android for the lifetime of the product. There is no renewal date, no auto-charge, and nothing to remember to cancel.
What one payment costs against a subscription
List prices as of July 2026, for the paid tier of each app. Subscription totals compound; the Lifetime column does not.
| App | Pricing model | Year 1 | Over 5 years |
|---|---|---|---|
| Pocket Clear Lifetime | One-time | $200 | $200 |
| Pocket Clear Pro (annual) | Subscription | $34.99 | $174.95 |
| YNAB | Subscription only | $109 | $545 |
| Monarch Money | Subscription only | $99.99 | $499.95 |
| Copilot Money | Subscription only | $95 | $475 |
| Goodbudget Plus | Subscription only | $80 | $400 |
| PocketGuard Plus | Subscription only | $74.99 | $374.95 |
The honest version: against our own annual plan, Lifetime doesn't break even for about six years — so if $34.99/year suits you, take the annual plan. Lifetime is worth it against other apps' pricing, or if you simply want to stop renting a place to write down what you spent. Against Pro monthly at $4.99, it pays for itself in about 40 months.
What the Lifetime plan unlocks
The complete Pro feature set, on both iPhone and Android — plus new Pro features as we add them.
Cloud backup & sync
Encrypted backup and cross-device sync, so your history survives a lost phone. Optional — the app still works fully offline.
Partner Mode
Track expenses with a partner: both of you log independently and see one combined view. No shared logins, no bank linking.
Per-category budgets
Budgets by category on monthly, weekly or biweekly periods, aligned to your pay cycle rather than the calendar.
Recurring transactions
Rent, salary, subscriptions — set them once and stop re-entering them every month.
Savings goals
Set targets and watch progress against them, without connecting a bank account.
Tags & reminders
Tag transactions across categories, and get push reminders on the dates you choose.
Secondary currency
See amounts in a second currency alongside your main one — useful if you earn and spend across borders.
Everything free keeps
Unlimited tracking, custom categories, reports, widgets, 135 currencies and offline mode are free forever, with or without Pro.
Why so few budgeting apps sell one
Because subscriptions are worth more. A budgeting app that charges $100 a year earns far more from a customer who stays five years than one who pays once — which is why the category quietly dropped lifetime pricing after 2023.
We can offer one because of how Pocket Clear is built: there is no bank linking, so we pay no per-user aggregator fees to Plaid, MX or Yodlee. Your data lives encrypted on your device rather than in an expensive server-side profile. Our costs per user are low and roughly flat, so a one-time payment genuinely covers a lifetime of use. It also means we're not funded by selling spending data or pushing credit-card offers.
How buying works
Purchases run through Dodo Payments, which acts as the Merchant of Record and handles any applicable sales tax, VAT or GST for your region — so the price at checkout is correct where you are. We never see or store your card details.
Email [email protected] and we'll send you a payment link. After it clears, we activate Lifetime Pro on the account matching the email you used at checkout — handled manually today, so allow up to 24 hours. Pro then unlocks on every device you sign in to. The full Lifetime terms cover activation, refunds and the discontinuation policy in detail.
Frequently asked questions
Is there a budget app you can buy once instead of subscribing?
Yes. Pocket Clear's Lifetime plan is one payment of $200 (₹4999 in India), plus applicable taxes, for every Pro feature with no renewal. Most major budgeting apps — YNAB, Monarch Money, Copilot, Quicken Simplifi — are subscription-only with no one-time option.
Is a lifetime budget app plan worth it?
It depends how long you'll use it. Against Pro monthly at $4.99, $200 pays for itself in about 40 months. Against our $34.99/year annual plan, break-even is closer to six years. Lifetime wins if you want renewals gone for good or you're comparing against $75–110/year competitors; the annual plan is cheaper in the early years.
What does "lifetime" actually mean?
The lifetime of the product — as long as we continue offering Pocket Clear Pro, not a fixed number of years. If we ever permanently retired Pro, a published policy refunds you what you paid minus one month of Pro for each whole month since purchase, never more than you paid and never below zero.
Can I get a refund?
Yes — 14-day money-back guarantee, full refund for any reason, no questions asked. After 14 days the purchase is non-refundable except under the discontinuation policy above. Because it's one-time, there is nothing to cancel and you're never billed again.
Do I need the Lifetime plan to use Pocket Clear?
No. The free plan is free forever — unlimited transactions, custom categories, reports, widgets, 135 currencies and full offline use, with no ads. Pro (monthly, annual or lifetime) adds sync, budgets, Partner Mode and the rest.
Does the Lifetime plan work on both iPhone and Android?
Yes. It unlocks Pro on every device you sign in to, on both platforms. Make sure you're on the latest version from the App Store or Google Play — activation requires an up-to-date app.
Get Pocket Clear
Start free — no account needed to try it. Buy Lifetime whenever you're sure.