Master of Budgets: Forecast

Most budget apps tell you what you spent last month. Master of Budgets shows you next month - and the 17 after that. Every paycheck, bill, transfer, and spending envelope is projected forward, so you can see your balance on any future date - including the exact day it hits its lowest point, weeks before it happens. And it is private by design: no bank login, and your financial data stays on your device - never sold, never analyzed, never used to track you. Check the App Privacy section below: Data Not Used to Track You. Few finance apps can show you that. SEE YOUR BALANCE, MONTHS AHEAD • Forecast every account balance weeks and months into the future (free: 3 months; Premium: up to 18) • Spot the dip before it happens: the forecast shows your lowest upcoming balance and the day it lands • Know what is safe to spend today without shorting next week’s bills • Schedule recurring income, bills, and transfers once - the forecast updates instantly ASK “WHAT IF” (PREMIUM, NEW) • Try a decision before you make it: a new car payment, a raise, skipping a bill • See the alternate future next to your real forecast, then keep it or discard it BUDGET YOUR WAY • Envelope-style budgets for groceries, gas, dining, and anything else • Log spending against an envelope and watch it draw down in real time • Roll leftovers into the next period - or start fresh, your call • Budgets are part of the forecast, so planned spending shows up in your future balance EVERY ACCOUNT, ONE PICTURE • Checking, savings, credit cards, loans, and more - grouped into assets and liabilities • Net worth, tracked over time • Bill reminders, and transfers between accounts mirrored automatically • Free includes 3 accounts; Premium is unlimited IMPORT WITHOUT CONNECTING YOUR BANK (PREMIUM) • No bank login, ever - that is a design decision, not a missing feature • Instead, import the statement file your bank already gives you (OFX, QFX, QBO, or CSV) • Smart matching cleans up merchant names and skips what you have already entered • Review everything before it is added, and undo the whole import in one tap PRIVATE BY DESIGN • Your data lives on your device and the app works fully offline • No account or signup needed to use it • Optional Face ID / passcode lock • Optional end-to-end encrypted cloud sync (Premium); the encryption key never leaves your device PREMIUM — Free includes 3 accounts and a 3-month forecast. Premium unlocks unlimited accounts, the full 18-month forecast, what-if scenarios, bank-statement import, and encrypted cloud sync - $9.99/month or $99.99/year. Renews until cancelled; manage in App Store settings. What’s New: • What-If Scenarios (Premium): test a decision - a new car payment, a raise, a big purchase - and watch your forecast change before you commit. • The free plan now includes 3 accounts. • Plus refinements and fixes.