Easy to use and good data visualizations
I really like how I don’t have to link a bank and it organizes what I’d put into a spreadsheet much more clearly!
Free
In-App Purchases
About
This app helps you manage your personal finances by creating a cash-flow model that connects your account balance with your upcoming expenses. It forecasts your daily checking balance, tracks bills, subscriptions, and payments, and allows you to reconcile expected activity with actual bank transactions.
✓Daily checking balance forecast
✓Model recurring bills and income
✓Reconcile expected vs. actual transactions
✓Track credit card balances and APR
✓Analyze spending by category and merchant
✓Optional connected-inbox receipt search
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What's New in Scary Budget
1.0
September 29, 2026
2
Subscriptions & In-App Purchases
Monthly
Automatic bank sync and daily balance updates.
$2.991 Month
1 Month trialUser reviews
FAQ
What is Scary Budget?
Scary Budget is a personal finance app that helps you manage your money by creating a cash-flow model. It forecasts your daily checking balance, tracks income and expenses, and allows you to reconcile your plan with actual bank activity.
How does Scary Budget model my finances?
It turns your income, bills, subscriptions, transfers, and expenses into a daily checking forecast. You can then reconcile this forecast against your posted bank activity to ensure accuracy.
Can I use Scary Budget without connecting my bank account?
Yes, Scary Budget offers a free manual mode. You can use manual planning, CSV import, forecasting, reconciliation, credit tools, and insights without any bank connection.
What features are included in the optional Scary Budget+ subscription?
Scary Budget+ adds live bank sync and connected-inbox search. Bank sync helps reduce repetitive work by automatically importing transactions, but it is not required to use the core planning features.
Is my financial data secure with Scary Budget?
Yes, Scary Budget is designed with privacy in mind. Your saved financial plan is encrypted on your device before storage, and the app does not sell your personal or financial information.
What devices does Scary Budget support?
Scary Budget is available for iPhone and iPod devices.
What is the rating of Scary Budget?
Scary Budget has a high rating of 5.0 stars based on 2 user reviews.
How often is Scary Budget updated?
The app was last updated on September 29, 2026, with version 1.0. This indicates it is a new release, and updates will likely follow to introduce new features and improvements.
