# A Real Budget — Forecast your money

> Forecast your money (iPhone/iPad app by Joe Schwartz.)

- Source: https://appshunter.io/ios/app/a-real-budget/id6762945531 (this page in markdown: same URL + `.md`)
- Developer: [Joe Schwartz](https://appshunter.io/developer/1462718312)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 39 MB
- Languages: American English
- Released: 2026-04-22
- Data updated: 2026-07-30
- User reviews in markdown: https://appshunter.io/ios/app/a-real-budget/id6762945531/reviews.md

## What is 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.


## Version history (last 2 releases)

### 1.0.1 — 2026-04-24

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.

### 1.0 — 2026-04-23

No release notes.

## More apps by Joe Schwartz

- [Lmk-sb](https://appshunter.io/ios/app/lmk-sb/id1462718313)
- [LockedHQ](https://appshunter.io/ios/app/lockedhq/id6758561242)

All apps by Joe Schwartz: https://appshunter.io/developer/1462718312

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-30.*