# Kualto - Forecast Budgeting — Forecast Your Finances

> Financial forecasting and budgeting app for future cash flow and balance projection. (iPhone/iPad app by Kualto LLC.)

- Source: https://appshunter.io/ios/app/kualto-forecast-budgeting/id1217021017 (this page in markdown: same URL + `.md`)
- Developer: [Kualto LLC](https://appshunter.io/developer/1217021016)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.60/5 from 68 App Store ratings · 31 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 29 MB
- Languages: American English
- Released: 2017-03-21
- Data updated: 2026-08-31
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/kualto-forecast-budgeting/id1217021017/reviews.md

## What is Kualto?

Kualto is like a crystal ball that tells you how much money you will have at any point in time, not just at the end of the month.

Keep organized by tracking your spending, and plan ahead by forecasting your cash flow and account balance.

Pay off your debt. Use our Balance Report to see how long it will take you to do so, and to catch any red flags months before something becomes a problem.

While most budgeting applications focus on your past spending, with Kualto you can focus on your future by projecting your beginning and ending balance each week.

You can afford more than you think. With our forecasting approach you can see how much you can spend, and when you can spend it!

See the consequences of your decisions before you make them. Play with 'what if' scenarios so you can make the right choices.

Always know what's coming up. Use transaction statuses to keep track of what is still due, and what's been paid.

Pay on time. Receive reminders so you know when bills are due, avoid late fees, and pay responsibly.

Your Kualto account can be accessed via the app or with a browser. No need to sync or back anything up. Access your data from anywhere.

How it works:

- Enter your account's current balance.

- Enter your bills and your income and how often they occur ("bi-weekly", for example).

- Track your balance each week and navigate forward or backward up to 30 years.

- Watch how your spending today affects your account balance in the future, and make spending decisions accordingly.

- Get reminders for bills that are due so you never pay late again.

After the 30-day trial, you must subscribe to continue using the app. These subscriptions are auto-renewing. You have the option of an Annual or Monthly subscription.

Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.kualto.com/privacy-policy/

## Key features

- Cash flow forecasting
- Account balance projection
- Spending tracking
- Debt payoff planning
- Bill payment reminders
- What-if scenario planning

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Subscription | $4.99 | per month |
| Annual Subscription | $49.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 3 Month Subscription | $14.99 | one-time |
| 6 Month Subscription | $29.99 | one-time |
| 12 Months (Save $10) | $49.99 | one-time |
| 1 Month Subscription | $4.99 | one-time |
| 12 Months (Save $10) | $49.99 | one-time |
| 6 Month Subscription | $29.99 | one-time |
| 3 Month Subscription | $14.99 | one-time |
| 1 Month Subscription | $4.99 | one-time |


## Recent user reviews (10 of 31)

All indexed reviews: https://appshunter.io/ios/app/kualto-forecast-budgeting/id1217021017/reviews.md

### 5/5 — Best app for forecasting balancing.

*2026-03-05*

I’ve used this app to keep track of my budget and my account for several years and find it really invaluable in predicting future balances and have also found it helpful in modeling the financial impact over time of possible single and recurring expenses or income streams.
Highly recommended this app

### 5/5 — Easy and effective

*2025-12-04*

I have used Kualto for years now. It is easy to use and keeps me from accidental overdraft. I have many cards (this one for this, that one for that) and Kualto helps me remember which items I need to pay manually and automatically schedules the ones that recur. I’d love more consistent updates and added features, but I’m super happy with it.

### 5/5 — Pays for Itself

*2025-11-26*

Pros:

Pays for itself because it prevents overdraft fees, saves time, and highlights expenses I don't need.

The learning curve is short and the app is easy to use. Once you put in the effort of entering your income and expenses, the ongoing work is basically zero.

Keeps me disciplined, helps me avoid living beyond my means, and makes it easier to save for emergencies instead of spending on luxuries. It even motivates me to work overtime because it clearly shows when my balance will go negative if income and spending stay the same.


Cons:

The balance adjustment feature doesn't let me adjust the balance for today specifically. For example, if today is November 25 and my real checking balance is $200, the app adjusts the entire Nov 23-29 range instead of only today. A single-day balance adjustment option would make forecasting even more accurate.

### 5/5 — Perfection

*2025-11-23*

I have tried many different apps to keep up with our accounts. I quit looking a few years ago when I found this one! This app is simple and easy to use. I love the fact that it will forecast my balances so I can quickly see if my income will cover my projected expenses! And it is a great benefit to have it across my devices always synchronized. It is seamless and does the job nicely.

### 4/5 — IPAD mode please!!

*2025-09-17*

Loving this app however it would great if there was a iPad version.  Would love to see the forecasting in a landscape mode that has a full month view. That would be awesome!!

### 5/5 — Best Budgeting App

*2024-11-14*

This is a great budgeting app. It shows how much I will have in the future thanks to repeating transactions. I haven’t had a late payment or overdrawn my account since using this app

### 5/5 — Very good future budget planner

*2024-07-15*

I really like this app. I used to use another app but it didn’t really sync between devices and I could only add one account. I like that I can budget for any account like credit cards too or savings. I also like the categories and how you can have subcategories like a food category and also a groceries and restaurant subcategory individually. Helps keep everything really organized. It would be nice if I could do a recurring purchase for like every Monday, Tuesday, Wednesday, etc instead of having to make recurring weekly purchases individually but that’s not too big of a deal. The only real negative is it’s sometimes slow when I first load up the app and when I go in to confirm recurring purchases have hit my account. It does it on my iPad mini and my iPhone 13 so I don’t think it’s my devices. It would be nice if it was a little more seamless but it doesn’t bother me that much. Hopefully they fix that but really good app if you can get past that! And worth the $5 a month to me. 🙂 **UPDATE** It does look like the app is more seamless and faster now. Idk if it was on their end or maybe my internet at the time but changing my review from 4 to 5. Definitely worth the $5 a month. Thank you all for creating my dream budgeting app!!! I’ve been looking for something like this for years! 😍❤️

### 4/5 — Very good future budget planner

*2024-06-15*

I really like this app. I used to use another app but it didn’t really sync between devices and I could only add one account. I like that I can budget for any account like credit cards too or savings. I also like the categories and how you can have subcategories like a food category and also a groceries and restaurant subcategory individually. Helps keep everything really organized. It would be nice if I could do a recurring purchase for like every Monday, Tuesday, Wednesday, etc instead of having to make recurring weekly purchases individually but that’s not too big of a deal. The only real negative is it’s sometimes slow when I first load up the app and when I go in to confirm recurring purchases have hit my account. It does it on my iPad mini and my iPhone 13 so I don’t think it’s my devices. It would be nice if it was a little more seamless but it doesn’t bother me that much. Hopefully they fix that but really good app if you can get past that! And worth the $5 a month to me. 🙂

### 4/5 — Very good future budget planner

*2024-06-13*

I really like this app. I used to use another app but it didn’t really sync between devices and I could only add one account. I like that I can budget for any account like credit cards too or savings. I also like the categories and how you can have subcategories like a food category and also a groceries and restaurant subcategory individually. Helps keep everything really organized. Only negatives I’ve ran into is I wish I could see balance reports further than 6 months. It would also be nice if I could do a recurring purchase for like every Monday, Tuesday, Wednesday, etc instead of having to make recurring weekly purchases individually but that’s not too big of a deal. The biggest negative is the app is pretty slow and laggy when I first load up the app and when I go in to confirm recurring purchases have hit my account. It does it on my iPad mini and my iPhone 13 so I don’t think it’s my devices. It would be nice if it was a little more seamless but I’m pretty patient so it doesn’t bother me that much. Hopefully they fix that but really good app if you can get past that! And worth the $5 a month to me. 🙂

### 5/5 — Easiest way to manage your cash flow

*2024-04-27*

It took me years to to build my own cash flow forecast spreadsheet. Once I found Kualto I no longer need it. Simple to use with great reporting. Having an app on my phone lets me make updates wherever I am.  If you don’t forecast your cash flow, you are driving your financial life with your eyes closed. Use this. It will reduce your cash anxiety.

## Frequently asked questions about Kualto

### What does Kualto do?

Kualto is a financial forecasting and budgeting application. It helps you track your spending, project your cash flow, and forecast your account balance at any point in time, not just at the end of the month. It also provides tools for debt payoff planning and 'what-if' scenario analysis.

### What are the key features of Kualto?

Key features include detailed cash flow forecasting, account balance projection, spending tracking, debt payoff planning with a balance report, and the ability to play 'what-if' scenarios. It also offers transaction status tracking and bill payment reminders to avoid late fees.

### How much does Kualto cost?

Kualto offers a 30-day free trial. After the trial period, a subscription is required to continue using the app. Users can choose between an Annual or Monthly auto-renewing subscription plan.

### Can I access my Kualto data from multiple devices?

Yes, your Kualto account can be accessed via the app or with a web browser. This means you can access your financial data from anywhere without needing to sync or back up anything.

### Who is Kualto designed for?

This app is designed for individuals who want to gain a clear understanding of their future financial situation. It's particularly useful for those who want to plan ahead, manage debt effectively, and make informed spending decisions by seeing the potential consequences.

## Version history (last 5 releases)

### 2.2.12 — 2025-07-07

Added filtering to the Categories screen to make it faster for you to find the category that you are looking for, when assigning one to a transaction.

### 2.2.11 — 2023-12-22

Minor font-related fixes.

### 2.2.10 — 2023-12-20

Minor fixes and improvements.

### 2.2.9 — 2023-01-16

Minor bug fixes and enhancements.

### 2.2.8 — 2023-01-05

Bug fixes and enhancements.

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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 2026-08-31.*