Free to use · No account required

See Your Balance, Weeks Ahead

Master of Budgets turns your bills and income into a running forecast — so you can plan ahead, save with intention, and always know what's coming.

Try it free — no signup See how it works

Works in any browser — on your computer, phone, and tablet.

Most budgeting looks backward. Yours should look ahead.

Logging what you already spent only tells you the past. Master of Budgets projects your bills and income forward, so you can see your balance on any future date — the room you'll have to save after payday, how a big bill changes next month, or the impact of a purchase before you make it. Plan with the whole picture, not just today's number.

Features

Everything you need to budget well

Built for real life — whether you're managing one account or a full household budget.

Future Balance Forecasting

See your projected balance for every day ahead. The minimum balance indicator shows the lowest point your balance will reach across upcoming bills — tap it to jump straight to that day and plan around it.

Scheduled Transactions

Add a bill once and never think about it again. Master of Budgets generates every future occurrence automatically — rent, subscriptions, car payments — so your upcoming balance is always accurate.

Budget Envelopes

Allocate a fixed amount per week or month for spending categories. Every purchase you log against an envelope drops its remaining balance in real time. When it's gone, you know.

Reports & Statements

See exactly where your money goes. Filter every transaction by account and date, check income vs. expenses at a glance, and export a clean statement to CSV or QuickBooks whenever you need one.

Paid, Pending & Posted Balances

Track each transaction as paid, pending, or posted so you always know your real available balance — not just what's cleared. Reconcile against your bank in seconds.

Works Offline, No Signup

Open the app and start budgeting. No email, no password, no subscription. The full budgeting system works entirely on your device, even without an internet connection.

How It Works

Up and running in minutes

No signup, no bank login. Four steps to a budget that actually looks ahead.

Open the app and add your account

Go to masterofbudgets.app — no signup required. Add your checking or savings account and enter your current balance. Takes 30 seconds.

Add your recurring bills

Set up your scheduled transactions once — rent, subscriptions, car payment, salary. The app fills in every future occurrence automatically.

Watch your forecast update

The Upcoming tab shows every bill by date with a running balance. The minimum balance indicator highlights the lowest point your balance will reach — so you can see it coming and plan around it well in advance.