Budget Forecaster

A budget forecaster that turns your recurring income and expenses into a clear 12-month projected balance — shown as a chart, a summary, and a month-by-month table you can export. It is for anyone who wants to look past this month’s numbers and see where their money is actually heading: planning around a big purchase, checking whether a new subscription is affordable, or making sure a one-off cost like a tax bill or a holiday will not push the account into the red.

Most simple budgets only tell you whether this month balances. That hides the real risk, which is timing. An annual insurance premium, a quarterly bill, or a one-off expense can be perfectly affordable on average yet still cause a cash crunch in the month it lands. This tool models each item on its own schedule and rolls the balance forward, so you can see the dips before they happen and adjust while there is still time.

How it works

You start by entering your current balance and currency. Then you list each income and expense as a separate item, giving it an amount and a frequency — weekly, monthly, quarterly, annual, or a one-off. Each item also has a start and end month, so you can model a pay rise that begins in month three, a subscription you cancel mid-year, or a single large cost in just one month.

For every month in the horizon the forecaster adds up the income that applies, subtracts the expenses, and carries the running balance forward. Weekly and monthly items are averaged into a smooth per-month figure (a weekly cost is multiplied by 52 and divided by 12). Quarterly, annual, and one-off items are placed only in the exact months they occur, counting from their start month. The result is plotted as a projected balance line with a dashed monthly net overlay, and summarised with your end balance, average monthly net, total income, total expenses, and the single lowest point of the year. If the balance ever crosses below zero, a warning names the month it happens.

Example

Suppose you have a 2,000 starting balance, take home 2,600 per month, and pay 1,100 rent, 650 in groceries and bills, and 45 in subscriptions each month. That is a healthy 805 surplus most months. But add an annual 480 insurance premium in month three and a 1,200 one-off holiday in month seven, and the chart shows two clear dips — yet the account still ends the year well ahead. Move the holiday a month earlier or split it across two months, and the forecaster instantly redraws the line so you can keep the lowest point comfortably above zero.

Every figure is calculated in your browser, saved only on your device, and never uploaded.