Are you on the hunt for a fantastic smartwatch that won’t break the bank? You’re in luck! The market is brimming with incredible options, and finding the best smart watch under 20k is more than possible. Whether you’re a fitness enthusiast, a busy professional, or simply looking to stay connected, there’s a wearable out there designed to fit your lifestyle and your budget.
Gone are the days when smartwatches were a luxury only a few could afford. Today, you can find feature-packed devices offering everything from health monitoring to Bluetooth calling, all without emptying your wallet. We’ve scoured the market to bring you a curated list of the top 10 smartwatches that deliver exceptional value for money. Let’s dive in and find your perfect wrist companion!
Why Choose a Smart Watch Under 20k?
Before we jump into the reviews, let’s talk about why opting for a budget-friendly smartwatch makes so much sense:
- Exceptional Value: You get a host of premium features like fitness tracking, notification alerts, and even calling capabilities, often at a fraction of the cost of high-end models.
- Ideal for First-Timers: If you’re new to the world of wearable tech, a smart watch under 20k is a great entry point to explore its benefits without a huge investment.
- Daily Durability: Many affordable smartwatches are built to be robust, perfect for daily wear, workouts, and even outdoor adventures.
- Focus on Essentials: While they might not have every single cutting-edge feature, they excel at the core functionalities most users need and want.
Ready to find your next digital assistant for your wrist? Here are our top picks:
1. TOOBUR Smart Watch for Men Women, Alexa Built-in

The TOOBUR Smart Watch truly stands out by integrating Alexa directly into your wrist, making voice commands for smart home devices, alarms, and more incredibly convenient. It’s a fantastic daily driver for those who appreciate hands-free interaction and comprehensive health and fitness tracking, all wrapped up in a customizable design.
- Key Features:
- Phone Extension & Built-in Alexa for calls, notifications, and voice commands.
- 100+ Sports Modes & IP68 Waterproofing (swimming up to 5 meters).
- 24-Hour Health Guardian: Heart rate, stress, sleep quality monitoring.
- 1.91″ HD screen with 100+ customizable watch faces.
- 7-day battery life (typical use), 30-day standby.
- Compatible with iOS 9.0+ and Android 6.0+.
- Pros:
- Integrated Alexa is a major plus for smart home users.
- Excellent waterproof rating for swimming.
- Good battery life for uninterrupted use.
- Large, clear HD display with extensive customization.
- Cons:
- Cannot reply to messages directly from the watch.
- User Impressions: Users appreciate the seamless integration of Alexa and the vibrant display. Many find it an excellent fitness companion due to its extensive sport modes and robust waterproofing, making it a versatile choice for active individuals.
- Call to Action: See it on Amazon here
2. BENYAR SMART Military Smart Watches for Men

For the adventurous spirit, the BENYAR SMART Military Watch is a beast, boasting a massive 1000 mAh battery for up to 65 days of standby and military-grade durability. Its rugged yet sleek design, coupled with a built-in LED flashlight and a versatile 3-strap system, makes it the ultimate companion for tough conditions and stylish wear alike.
- Key Features:
- Powerful 1000 mAh battery (up to 65 days standby) & built-in LED flashlight.
- Military-grade durability (shock/pressure resistance) with a brushed metal finish.
- 1.75″ HD Display & 3 interchangeable straps (stainless steel, black silicone, grey sport).
- Bluetooth Calling & Smart Notifications for calls, SMS, emails, social media.
- 110+ Sport Modes with detailed workout tracking.
- Wide compatibility (Android 4.4+, iOS 8.0+).
- Pros:
- Unmatched battery life for extended use.
- Exceptional durability for outdoor and rugged activities.
- Comes with three straps for versatile styling.
- Built-in flashlight is a unique and practical addition.
- Cons:
- Larger size might not suit smaller wrists.
- Focuses heavily on male users in its description.
- User Impressions: Customers rave about the BENYAR’s incredibly long battery life and its sturdy build, making it a reliable choice for outdoor enthusiasts and those who prefer not to charge frequently. The included straps also receive praise for adding great value.
- Call to Action: See it on Amazon here
3. Yihou Fitness Tracker Heart Rate Blood Pressure Watch

The Yihou Fitness Tracker is an excellent entry-level option that focuses on core health monitoring features, perfect for those primarily interested in understanding their body’s vitals. Its sleek design and comprehensive activity tracking make it a straightforward and effective tool for anyone looking to kickstart a healthier lifestyle.
- Key Features:
- All-day activity tracking (steps, distance, calories, active minutes).
- Blood Pressure & Heart Rate Monitoring.
- Text Call Reminder & Sleep Monitor.
- Calories Counter & Sedentary Reminder.
- Up to 7 days of battery life.
- Connects via “GloryFit” APP.
- Pros:
- Direct blood pressure measurement on the watch.
- Dedicated sedentary reminder for office workers.
- Simple and effective health and fitness tracking.
- Long battery life for its category.
- Cons:
- Relatively basic display compared to larger smartwatches.
- Relies on a specific app (“GloryFit”) for full functionality.
- User Impressions: Users find the Yihou watch to be a reliable and easy-to-use fitness tracker, especially appreciating its ability to monitor blood pressure directly. Its simplicity and focus on essential health metrics make it a popular choice for those not needing advanced smartwatch features.
- Call to Action: See it on Amazon here
4. Military Smart Watch Sport Fitness Tracker, with LED

This Military Smart Watch is designed for those who demand resilience and functionality. With its robust, military-standard design, integrated side flashlight, and expansive 2.02” big screen, it’s perfect for professional outdoor sports and provides comprehensive health monitoring and communication features, ensuring you’re always prepared.
- Key Features:
- Military standard design (waterproof, shockproof, dustproof) for rugged environments.
- 100+ sports modes & side LED flashlight.
- 24/7 Health Monitoring (heart rate, blood oxygen, sleep quality, reminders).
- Answer/Make calls and receive messages via Bluetooth.
- 2.02” Big Screen with 100+ customizable watch faces.
- 400mAh battery (7 days usage, 20 days standby).
- Pros:
- Extremely durable and ready for any adventure.
- Large, vibrant screen with extensive customization.
- Convenient Bluetooth calling and notifications.
- Practical side flashlight.
- Cons:
- Might be bulky for everyday office wear for some.
- Specific 3ATM waterproofing (not for deep diving).
- User Impressions: Reviewers commend this smartwatch for its rugged build quality and large, clear display. The flashlight feature is frequently highlighted as a surprisingly useful addition, making it a versatile tool for both fitness and daily life.
- Call to Action: See it on Amazon here
5. Citizen CZ Smart PQ2 42mm Hybrid Silver and Black

The Citizen CZ Smart PQ2 is where classic watch design meets smart technology in a hybrid form. Boasting an impressive 18-day battery life and the unique CZ Smart YouQ wellness app (powered by NASA research and IBM Watson Studio), it intelligently learns your body’s rhythms to maximize your daily potential, making it much more than just a time teller.
- Key Features:
- “Smarter Hybrid” with 18-day battery life and faster charging.
- Citizen Connected app compatible with Android/iOS.
- CZ Smart YouQ proprietary wellness app (NASA & IBM AI research).
- YouQ assesses Chronotype, Alert Monitor, and offers “Power Fixes”.
- Notifications for calls, texts, emails, calendar, golf report, live sports.
- Amazon Alexa built-in for voice control.
- Pros:
- Outstanding battery life for a “smarter” watch.
- Unique, scientifically backed wellness tracking with YouQ.
- Stylish, classic watch aesthetic with smart features.
- Alexa integration and smart home connectivity.
- Cons:
- Hybrid nature means it might not have a full touchscreen for all interactions.
- Features like YouQ might require deeper engagement to fully utilize.
- User Impressions: Users are particularly impressed by the Citizen CZ Smart PQ2’s incredible battery longevity and the innovative YouQ wellness features that genuinely help optimize their day. Its blend of traditional watch looks with smart capabilities is a major draw.
- Call to Action: See it on Amazon here
6. Armitron Connect Lunar Smartwatch, Health and Fitness

The Armitron Connect Lunar Smartwatch is a solid all-rounder, offering a comprehensive suite of health and fitness tracking features alongside essential smart notifications. Its simple yet effective design, coupled with voice assistant integration and a user-friendly app, makes it a great choice for anyone seeking reliable wearable tech without unnecessary frills.
- Key Features:
- Health Monitor: Heart rate, blood oxygen, calories, sleep, menstrual cycle tracking.
- Fitness Tracking: Step counter, various sport modes, move/hydration reminders.
- Stay Social: Make/receive calls, message notifications, save contacts.
- Additional Features: Voice assistant, GPS connection, camera/music control, weather, alarms.
- Free Armitron Connect app (Android 5.0+, iOS 9.0+).
- Up to four days battery life, IP68 Water resistance.
- Pros:
- Comprehensive health and fitness monitoring.
- Direct call answering/making from the wrist.
- Voice assistant and GPS connectivity add convenience.
- Good water resistance for daily use.
- Cons:
- Battery life (4 days) is decent but not as long as some competitors.
- GPS is “connection” based, meaning it uses your phone’s GPS.
- User Impressions: Customers frequently commend the Armitron Connect Lunar for its ease of use and the accuracy of its health tracking. The ability to make and receive calls directly from the watch is also a highly praised feature, offering great convenience.
- Call to Action: See it on Amazon here
7. Fossil 44mm Gen 5 Carlyle Stainless Steel and Leather

The Fossil Gen 5 Carlyle blends classic Fossil style with modern Wear OS by Google functionality. This smartwatch is a fashion statement as much as it is a tech gadget, offering robust health tracking, built-in GPS, payment capabilities, and a full suite of apps, all on a vibrant always-on display.
- Key Features:
- Powered by Wear OS by Google, compatible with iPhone & Android.
- 44mm case, 22mm interchangeable bands.
- 24+ Hr battery life (multi-day extended mode), 80% charge in under an hour.
- Health & fitness: Heart Rate, Activity, Built-in GPS, Swimproof (3ATM), sleep tracking.
- Always-on display with thousands of watch faces.
- Hundreds of apps, payments, music, social, notifications, calls directly on watch.
- Pros:
- Stylish and premium design from a renowned brand.
- Full Wear OS ecosystem with access to many apps.
- Built-in GPS for phone-free distance tracking.
- Fast charging and flexible battery modes.
- Cons:
- Battery life with all features enabled might be shorter than budget alternatives.
- Not compatible with Android Go edition.
- User Impressions: Users love the elegant design and the extensive functionality provided by Wear OS. The ability to customize watch faces and access numerous apps is a significant highlight, making it a versatile and personalized accessory for many.
- Call to Action: See it on Amazon here
8. Smart Watch for women men(Answer/Make Calls)2.01”

This 2.01” Smart Watch offers an incredibly immersive display and versatile health monitoring, making it a compelling choice for everyday use. With Siri integration, over 200 watch faces, and specialized features like female physiological health tracking, it delivers a personalized and convenient experience without breaking your budget.
- Key Features:
- 2.01-inch HD touchscreen for crisp visuals.
- Comprehensive health monitoring (heart rate, SpO2, sleep analysis, 60+ sports modes).
- Siri Integration for hands-free control.
- 200+ watch faces and custom watch face creation.
- Specialized female physiological health tracking.
- 15 days battery life, IP67 waterproof.
- Bluetooth call and message reminders.
- Pros:
- Large, vibrant display enhances usability.
- Siri integration is a valuable smart assistant feature.
- Long battery life and good water resistance.
- Specific health tracking for women is a thoughtful addition.
- Cons:
- IP67 is suitable for splashes, but not extended submersion.
- App might be generic, depending on the brand.
- User Impressions: Customers are very pleased with the large, clear screen and the intuitive Siri integration. The extended battery life is also a frequent point of praise, making it a practical and reliable daily companion for both men and women.
- Call to Action: See it on Amazon here
9. HAYLOU Military Smart Watch for Men, 2.13″ AMOLED HD

The HAYLOU Military Smart Watch takes durability to the next level with rigorous military standard testing, ensuring it can withstand the harshest environments. Its stunning 2.13″ AMOLED HD display delivers exceptional clarity, while a built-in compass, barometer, and altimeter make it an essential tool for serious outdoor adventurers.
- Key Features:
- Military Standard Quality (drop, waterproof, shock, extreme temperature tests).
- 2.13″ Large HD AMOLED Touch Screen (410*502 resolution, 331 PPI).
- Bluetooth Calling & AI Voice Assistant (built-in mic/speaker, 5.2 Bluetooth chip).
- 24-Hour Health Tracking (heart rate, SpO2, sleep analysis).
- Professional Compass, Barometer, Altimeter for outdoor navigation.
- Pros:
- Superior military-grade durability.
- Exceptional AMOLED display quality.
- Dedicated outdoor adventure tools (compass, barometer, altimeter).
- High-quality Bluetooth calling experience.
- Cons:
- Might be overkill for users who don’t engage in outdoor activities.
- Larger display size may not appeal to everyone.
- User Impressions: Users are highly impressed by the HAYLOU’s robust build and the crispness of its AMOLED screen. The outdoor navigation features are particularly appreciated by hikers and explorers, making it a reliable partner for their adventures.
- Call to Action: See it on Amazon here
10. Loluka Smart Watch Bluetooth Call Sports Modes Message

The Loluka Smart Watch offers a great balance of essential smartwatch features wrapped in a sleek, stainless steel design. Its focus on Bluetooth calling, comprehensive sleep tracking, and multiple sports modes makes it a versatile and comfortable choice for anyone looking to monitor their fitness and stay connected on the go.
- Key Features:
- 1.3-inch full touch screen with stainless steel craft and customizable dials.
- Sleep Tracker (deep sleep/night wakefulness analysis).
- Bluetooth Call Watch: Make/receive calls directly from the bracelet, message vibrate reminders.
- Multiple Exercise Modes with calorie consumption tracking.
- Broad Compatibility (iOS 10.0+, Android 5.0+).
- 320mAh battery (2-5 days working, 15 days standby), IP67 Waterproof.
- Pros:
- Elegant stainless steel design.
- Effective sleep tracking for health insights.
- Convenient Bluetooth calling and message alerts.
- Good battery life and wide compatibility.
- Cons:
- IP67 water resistance is not suitable for swimming or showering.
- Smaller screen compared to some other models.
- User Impressions: Customers appreciate the Loluka Smart Watch’s stylish look and comfortable fit. The Bluetooth calling feature is a definite highlight, providing hands-free convenience, and its sleep tracking capabilities are found to be quite insightful.
- Call to Action: See it on Amazon here
Finding Your Perfect Smart Watch Under 20k: A Quick Buying Guide
When selecting your ideal smart watch under 20k, consider these factors:
- Purpose: Are you mainly looking for fitness tracking, smart notifications, or a blend of both?
- Compatibility: Ensure the watch works seamlessly with your smartphone’s operating system (Android or iOS).
- Battery Life: How often are you willing to charge? Some offer days, others weeks.
- Display Type: AMOLED screens offer vibrant colors, while others might prioritize battery life.
- Durability & Water Resistance: If you’re active, look for military-grade toughness or good IP ratings.
- Key Features: Bluetooth calling, GPS, heart rate monitoring, SpO2 tracking, and specific sports modes are common offerings.
Conclusion
Finding the best smart watch under 20k doesn’t mean compromising on quality or features. As our list demonstrates, there are plenty of fantastic options that offer impressive capabilities, robust designs, and long-lasting batteries, all at an accessible price point. Whether you prioritize a rugged build for outdoor adventures, advanced health monitoring, or seamless communication from your wrist, you’re sure to find a smartwatch that perfectly fits your needs and budget. We hope this guide helps you make an informed decision and enjoy the convenience of modern wearable technology!
Frequently Asked Questions (FAQ)
Q1: What features should I prioritize in a smart watch under 20k?
A1: Focus on what matters most to you. For fitness, look for accurate heart rate, SpO2, GPS, and diverse sport modes. For connectivity, ensure Bluetooth calling and notification support. Also, consider battery life, display quality, and water resistance based on your lifestyle.
Q2: Are smart watches under 20k truly waterproof?
A2: Many budget smartwatches come with an IP67 or IP68 rating, which means they are generally splash-proof and can withstand shallow immersion (like handwashing or rain). Some, like the TOOBUR and BENYAR, offer higher ratings suitable for swimming, but always check the specific rating and avoid hot water, saunas, or diving unless explicitly stated.
Q3: Can I make and receive calls on these budget smartwatches?
A3: Yes, several smartwatches on this list, such as the TOOBUR, BENYAR, Military Smart Watch, Armitron Connect Lunar, and Loluka, offer Bluetooth calling capabilities, allowing you to answer and make calls directly from your wrist when connected to your phone.
Q4: How long does the battery typically last on smartwatches in this price range?
A4: Battery life varies significantly. Some fitness trackers might offer up to 7-15 days, while more feature-rich smartwatches with larger displays or always-on functionality might last 2-5 days with typical use. Devices like the BENYAR and Citizen CZ Smart PQ2 are exceptional, offering weeks of standby or even up to 18 days of use.
Q5: Are these affordable smartwatches compatible with both Android and iPhone?
A5: Most smartwatches in this price segment are designed for broad compatibility with both Android (usually Android 5.0/6.0 and above) and iOS (usually iOS 9.0/10.0 and above) smartphones. Always double-check the product specifications for exact compatibility requirements before purchasing.
Q6: What’s the main difference between a dedicated fitness tracker and a smartwatch in this price range?
A6: A dedicated fitness tracker primarily focuses on health and activity monitoring (steps, calories, heart rate, sleep). A smartwatch, even a budget one, usually offers a broader range of “smart” features beyond fitness, such as Bluetooth calling, notification management, app support, and more interactive displays, making it a mini-extension of your phone.
Q7: Is it worth buying a smart watch under 20k, or should I save up for a more expensive one?
A7: Absolutely, it’s worth it! As this guide shows, you can get highly capable, feature-rich smartwatches for under 20k that cover most daily needs for health, fitness, and communication. Unless you require niche, premium features or specific brand ecosystems (like Apple Watch), a budget-friendly option often provides excellent value and performance.


