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.