This is awesome
I’ve been using this app for a little over a week and feel way better about my finances! It helped me better understand where I will be with my money in the future, and now I can start planning ahead. Thank you developer!
Free
In-App Purchases
About
Project your financial future weeks and months ahead, spotting potential low balances before they happen. This app prioritizes privacy with no bank logins, keeping your data securely on your device. Manage budgets, track net worth, and receive bill reminders with a clear, offline-first design.
✓Future balance forecasting
✓Low balance alerts
✓Envelope budgeting
✓Net worth tracking
✓Bill reminders
✓Offline functionality
✓What-if scenarios (Premium)
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What's New in Master of Budgets
1.7.0
July 13, 2026
Smarter importing, more flexible scheduling, and better organization. • Import (Premium): send imported transactions straight to your budgets, auto-detect transfers, and match categories far more accurately • New “Twice a month” bill schedule, plus the option to pick the exact day of the month • Organize spending with multi-category locations and merge duplicate places • A weekly reminder to back up your data, and a nudge to pay your card when it’s carrying a balance • Faster category search, smoother keyboard, swipe from the left edge to open the menu, and assorted fixes
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Subscriptions & In-App Purchases
Premium (Monthly)
Unlimited accounts, 18-mo forecast & cloud sync.
$9.991 Month
User reviews
FAQ
How far into the future can Master of Budgets forecast?
The free version of Master of Budgets forecasts up to 3 months ahead. The Premium version extends this forecast to 18 months, providing a much longer-term financial outlook.
Does Master of Budgets require linking bank accounts?
No, Master of Budgets is designed for privacy and does not require linking bank accounts. Financial data stays on your device, and you can optionally import statements.
What are the "What If" scenarios in Master of Budgets Premium?
The "What If" scenarios allow Premium users to simulate financial decisions, such as a new car payment or a raise, and see how these changes would impact their future forecast before committing.
How does Master of Budgets handle budgeting?
It uses an envelope-style budgeting system for categories like groceries and gas. Spending logged against an envelope is reflected in real-time, and leftovers can be rolled over to the next period.
What is the pricing for Master of Budgets Premium?
Master of Budgets Premium is available for $9.99 per month or $99.99 per year. Subscriptions renew automatically until cancelled through App Store settings.
How often is Master of Budgets updated?
The app was last updated on July 13, 2026, with version 1.7.0. Updates typically include refinements and fixes, with new features like 'What-If Scenarios' being added.
Can I use Master of Budgets on multiple devices?
While the app works fully offline on your device, Premium users can opt for end-to-end encrypted cloud sync. This feature ensures your data is securely backed up and accessible across devices, with the encryption key remaining on your device.
What is the age rating for Master of Budgets?
Master of Budgets has an age rating of 4+. This indicates it is suitable for a wide audience, including children, due to its non-sensitive financial management features.
