Budget Balancer

Know if you're safe to spend. See where your balance is heading for the next 30 days — paydays, bills and one-offs — before things get tight. No bank linking.

See what's coming before it hits your account.

Your bank balance shows today. It doesn't show the rent leaving on the 1st, the card payment on the 15th, or whether payday arrives before the direct debits do. Budget Balancer maps your money as a timeline, so you can answer the only question that matters: will my balance survive the next 30 days?

No bank linking. No logins. No sending your financial data to a server. Open it and start planning.

Map your money timeline Add your accounts, paydays, bills, transfers and known one-offs. Budget Balancer draws your balance curve day by day, so you can see exactly where you're heading — not where you've been.

Spot the tight days early The forecast highlights low-balance days before you reach them, so you can move money or shift a payment while there's still time. No more mid-month guessing about whether you'll overdraft next Thursday.

Know you're safe to spend Instead of guilt-tripping you about last month's coffees, Budget Balancer tells you what's genuinely free to spend once the bills ahead are covered.

Handle credit cards properly Track balances, statement amounts and new spend, compare payment strategies, and see how a card payment lands on your cash flow through the payment date — not the purchase date.

See the bigger picture Track wealth items like savings, investments, pensions, property and mortgages, and test scenarios for overpayments, loans and savings goals. Built for how you actually get paid

Weekly, fortnightly, four-weekly or monthly — plan around your real pay cycle, not a tidy calendar month.

Budget Balancer is local-first. Start without creating an account, import CSV, JSON or PDF files when useful, export your own backups, and keep widget balances hidden unless you choose to show them.

The free version gives you a focused planning setup. Budget Balancer Pro unlocks unlimited accounts and elements, longer forecasts, advanced card modelling, balance alerts, imports, exports, wealth projections, saved scenarios and quick credit-card spend capture.

Budget Balancer is a planning tool. It does not provide financial advice, investment advice, lending, banking, account aggregation or payment initiation.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/