Unbudget

UNBUDGET Find Your True Balance Most financial apps tell you where your money went. Unbudget helps you understand what money is actually available. Your account balance only tells part of the story. You may have $1,200 in the bank, but if $953 is already spoken for by bills, obligations, and commitments, you don't really have $1,200 available to spend. Unbudget tracks your obligations and calculates your True Balance — the money that remains after accounting for the commitments you still need to fulfill. No budgets. No categories. No transaction imports. No spending plans. Just a clear answer to a simple question: How much money is truly available right now? HOW IT WORKS 1. Enter your current account balance. 2. Add the obligations you expect during your current billing cycle. 3. Update your balance as money moves in and out of your account. 4. Mark obligations as paid once they are no longer your responsibility for that billing cycle. 5. Unbudget calculates your True Balance. When a new billing cycle begins, simply mark recurring obligations as unpaid and start again. That's it. TRACKS OBLIGATIONS, NOT TRANSACTIONS Traditional finance apps focus on transactions. Unbudget focuses on obligations. The goal isn't to record every purchase you've ever made. The goal is to understand what commitments still exist and how much money remains after accounting for them. As your account balance changes throughout the month, simply update it. As obligations are fulfilled, cancelled, skipped, or otherwise no longer required, mark them as paid. Unbudget keeps the picture clear without forcing you to maintain a detailed budget. DESIGNED AROUND REAL LIFE Life doesn't always go according to plan. A lesson gets cancelled. An appointment is rescheduled. A recurring expense doesn't happen this week. With Unbudget, you don't need to adjust forecasts, move money between categories, or rebuild a budget. If an obligation no longer needs to be paid during the current billing cycle, simply mark it as paid. Unbudget isn't trying to track every transaction. It's helping you answer a simpler question: What obligations am I still responsible for, and how much money is truly available after accounting for them? HANDLE THE UNEXPECTED Not every expense can be planned in advance. A vehicle repair. A hot water heater replacement. An emergency home repair. When unexpected expenses appear, simply update your account balance and add the item to the Scratch Pad. Unbudget immediately recalculates your True Balance, giving you a clear picture of where you stand right now. No moving money between categories. No rebuilding a budget. No complicated adjustments. Just update the information you know and let Unbudget show you the impact. The Scratch Pad is designed for one-time expenses, unexpected obligations, and situations that don't belong in your regular billing cycle but still affect your spending decisions. WHY IT WORKS Your account balance alone can be misleading. A large balance can create a false sense of security when much of that money is already committed elsewhere. Unbudget helps separate money that is already spoken for from money that is actually available. The result is a simple system that stays useful even when life changes from week to week. FEATURES • Calculate your True Balance instantly • Track bills, obligations, and upcoming commitments • Mark obligations as paid, cancelled, skipped, or otherwise no longer required • Scratch Pad for unexpected expenses and one-time obligations • Flexible system that works with your real account balance • Reset recurring obligations each billing cycle • No categories or complicated budgeting rules • No transaction imports required • Fast, simple, and easy to maintain Stop budgeting. Find Your True Balance.