# Master of Budgets: Forecast — Forecast your money, private > Financial forecasting app that projects future balances and spending privately on-device. (iPhone/iPad app by Daniel Champlin.) - Source: https://appshunter.io/ios/app/master-of-budgets-forecast/id6777477302 (this page in markdown: same URL + `.md`) - Developer: [Daniel Champlin](https://appshunter.io/developer/720707297) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 24 MB - Languages: English - Released: 2026-06-23 - Data updated: 2026-09-17 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/master-of-budgets-forecast/id6777477302/reviews.md ## What is Master of Budgets? Most budget apps tell you what you spent last month. Master of Budgets shows you next month - and the 17 after that. Every paycheck, bill, transfer, and spending envelope is projected forward, so you can see your balance on any future date - including the exact day it hits its lowest point, weeks before it happens. And it is private by design: no bank login, and your financial data stays on your device - never sold, never analyzed, never used to track you. Check the App Privacy section below: Data Not Used to Track You. Few finance apps can show you that. SEE YOUR BALANCE, MONTHS AHEAD • Forecast every account balance weeks and months into the future (free: 3 months; Premium: up to 18) • Spot the dip before it happens: the forecast shows your lowest upcoming balance and the day it lands • Know what is safe to spend today without shorting next week’s bills • Schedule recurring income, bills, and transfers once - the forecast updates instantly ASK “WHAT IF” (PREMIUM, NEW) • Try a decision before you make it: a new car payment, a raise, skipping a bill • See the alternate future next to your real forecast, then keep it or discard it BUDGET YOUR WAY • Envelope-style budgets for groceries, gas, dining, and anything else • Log spending against an envelope and watch it draw down in real time • Roll leftovers into the next period - or start fresh, your call • Budgets are part of the forecast, so planned spending shows up in your future balance EVERY ACCOUNT, ONE PICTURE • Checking, savings, credit cards, loans, and more - grouped into assets and liabilities • Net worth, tracked over time • Bill reminders, and transfers between accounts mirrored automatically • Free includes 3 accounts; Premium is unlimited IMPORT WITHOUT CONNECTING YOUR BANK (PREMIUM) • No bank login, ever - that is a design decision, not a missing feature • Instead, import the statement file your bank already gives you (OFX, QFX, QBO, or CSV) • Smart matching cleans up merchant names and skips what you have already entered • Review everything before it is added, and undo the whole import in one tap PRIVATE BY DESIGN • Your data lives on your device and the app works fully offline • No account or signup needed to use it • Optional Face ID / passcode lock • Optional end-to-end encrypted cloud sync (Premium); the encryption key never leaves your device PREMIUM — Free includes 3 accounts and a 3-month forecast. Premium unlocks unlimited accounts, the full 18-month forecast, what-if scenarios, bank-statement import, and encrypted cloud sync - $9.99/month or $99.99/year. Renews until cancelled; manage in App Store settings. What’s New: • What-If Scenarios (Premium): test a decision - a new car payment, a raise, a big purchase - and watch your forecast change before you commit. • The free plan now includes 3 accounts. • Plus refinements and fixes. ## Key features - Future balance forecasting - Low balance alerts - Envelope budgeting - Net worth tracking - Bill reminders - Offline functionality - What-if scenarios (Premium) ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium (Monthly) | $9.99 | per month | | Premium (Annual) | $99.99 | per year | ## Is Master of Budgets safe? Not enough ratings yet to assess Master of Budgets. ## Is Master of Budgets legit? Master of Budgets: Forecast has limited verification signals. The AppsHunter Legitimacy Score for Master of Budgets is 48 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/master-of-budgets-forecast/id6777477302/reviews.md ### 5/5 — This is awesome *2026-07-13* 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! ## Frequently asked questions about Master of Budgets ### 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. ## Version history (last 2 releases) ### 1.7.0 — 2026-07-13 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 ### 1.6.14 — 2026-06-23 No release notes. ## Apps similar to Master of Budgets | App | Rating | Price | Category | | --- | --- | --- | --- | | [BudgetBonsai Envelope Budget](https://appshunter.io/ios/app/budgetbonsai-envelope-budget/id6781822109) | — | Free | Finance | | [Money Flow: Budget Planner](https://appshunter.io/ios/app/money-flow-budget-planner/id6779711478) | 5.0 (1) | Free | Finance | | [Spency: Budget Planner App](https://appshunter.io/ios/app/spency-budget-planner-app/id6756977406) | 3.9 (14) | Free | Finance | | [First Community Bank Heartland](https://appshunter.io/ios/app/first-community-bank-heartland/id600976634) | 4.3 (18) | Free | Finance | | [CalendarBudget: Budget Planner](https://appshunter.io/ios/app/calendarbudget-budget-planner/id1437594497) | 4.0 (41) | Free | Finance | | [TreasuryViewer](https://appshunter.io/ios/app/treasuryviewer/id1632859091) | 4.8 (1,348) | Free | Finance | --- *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 2026-09-17.*