A Real Budget

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.