A Real Budget
Forecast your money
Free · Designed for iPad. Not verified for macOS.
A Real Budget is the cash-flow forecasting app you wish your bank built.
Most budgeting tools look backward. A Real Budget looks forward. Connect your accounts through Plaid, set your monthly income and bills, and get a day-by-day simulation of every account's balance for the next year.
WHAT YOU GET
- 12-month forecast of every connected account, day by day
- Budget plan with per-month overrides (not just one flat number)
- Upcoming expenses and projects — link actual spending to a project to track a renovation, wedding, or move
- Credit card repayment modeling (minimum / full / fixed / carry)
- Manual loan amortization for anything Plaid doesn't sync
- Net worth tracker — connected accounts plus manually-added assets
- AI Companion that reads your forecast and answers "can I afford X?"
- Transaction reconciliation with auto-categorization rules
- CSV import from Copilot, Mint, YNAB, or any exporter
BUILT FOR YOU
- Connect multiple banks, credit cards, investment accounts, and loans
- Split transactions across categories
- Override next month's income for a bonus, freelance payout, or time off
- See exactly what day you'll dip below your minimum checking balance — before it happens
PRIVACY AND SECURITY
- Your bank credentials never touch our servers. All connections go through Plaid.
- Your data is yours. Export or delete anytime.
- No ads. No selling your data.
A Real Budget is not a bank, broker, or financial advisor. Forecasts are informational only.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Major redesign - A Real Budget is now built phone-first.
• Swipe any uncategorized transaction left to apply a suggestion in one tap
• Drag to reorder your accounts on the Forecast tab
• Native date picker for planning upcoming expenses
• Real-time balances from your banks
• Refreshed visual identity with a new logo throughout
• Bigger buttons, cleaner sheets, faster empty-state design
Plus dozens of smaller polish fixes across every tab.
The developer, Joe Schwartz, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Financial Info
- Contact Info
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joe Schwartz
- Size
- 41 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 A Real Budget