Personal finance forecasting
Plan the next five years of your money.
Most apps tell you where your money went. Out Budget tells you where it’s going — across every currency, every account, every year ahead.
45 days free. No credit card required.
Built for finances that don’t fit a spreadsheet
Four tools that work together the way real finances actually work — across currencies, across years, and across the expenses that never land in a predictable month.
Five-year forecast
Project income, fixed costs, lumpy expenses, and what-if plans up to five years out. Update an assumption, watch the curve move.
Multi-currency, native
Hold accounts in EUR, USD, GBP — anything. Amounts stay in their original currency and convert at display time.
Reality vs. plan
Log transactions; the app shows actual vs. forecast variance so you spot drift early, not at year-end.
Plan first. Track second.
Out Budget starts with what you expect to happen — your salary, your rent, the once-a-year insurance bill, the move you’re planning. The simulator runs that forward, month by month, up to five years. Then real transactions test the plan as time passes.
You stop asking did I overspend and start asking am I on track.
Read: Thinking in forecasts →
On the roadmap
Scenarios
Clone your base forecast to model a sabbatical, a move, or a job change. Compare side-by-side without touching the real plan.
What-if analysis
Stress-test your plan against a salary increase, an FX shift, an interest rate move, or an unexpected expense — without editing your base forecast.
Bank import
Connect your accounts directly via Plaid, GoCardless, or TrueLayer and have transactions imported automatically.
Your data is yours. Full stop.
Out Budget does not sell your data, share it with advertisers, or use it to train models. Your financial information is encrypted, stored in the EU, and never leaves your account. We make money from subscriptions — not from you.
45 days free. No credit card. No catch.
Start your trial today and get full access to every feature. After 45 days, choose the plan that fits — or cancel with one click.