A Real Budget
Joe Schwartz Finance iPhoneiPadiPod touch
A Real Budget is a free Finance app for iPhone and iPad by Joe Schwartz. Requires iOS 15.1. Updated April 24, 2026.
- Price
- Free
- on the App Store
- Size
- 39 MB
- Age 4+
- Updated
- Apr 24
- 2026 · v1.0.1
Screenshots
About A Real Budget
A Real Budget is the cash-flow forecasting app you wish your bank built. Most budgeting tools look backward. A Real Budget looks forward. Connect your accounts through Plaid, set your monthly income and bills, and get a day-by-day simulation of every account's balance for the next year. WHAT YOU GET - 12-month forecast of every connected account, day by day - Budget plan with per-month overrides (not just one flat number) - Upcoming expenses and projects — link actual spending to a project to track a renovation, wedding, or move - Credit card repayment modeling (minimum / full / fixed / carry) - Manual loan amortization for anything Plaid doesn't sync - Net worth tracker — connected accounts plus manually-added assets - AI Companion that reads your forecast and answers "can I afford X?" - Transaction reconciliation with auto-categorization rules - CSV import from Copilot, Mint, YNAB, or any exporter BUILT FOR YOU - Connect multiple banks, credit cards, investment accounts, and loans - Split transactions across categories - Override next month's income for a bonus, freelance payout, or time off - See exactly what day you'll dip below your minimum checking balance — before it happens PRIVACY AND SECURITY - Your bank credentials never touch our servers. All connections go through Plaid. - Your data is yours. Export or delete anytime. - No ads. No selling your data. A Real Budget is not a bank, broker, or financial advisor. Forecasts are informational only.
What’s new
Version 1.0.1 · Updated April 24, 2026
Major redesign - A Real Budget is now built phone-first. • Swipe any uncategorized transaction left to apply a suggestion in one tap • Drag to reorder your accounts on the Forecast tab • Native date picker for planning upcoming expenses • Real-time balances from your banks • Refreshed visual identity with a new logo throughout • Bigger buttons, cleaner sheets, faster empty-state design Plus dozens of smaller polish fixes across every tab.
App privacy
The developer, Joe Schwartz, reported these privacy practices to Apple.
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Purchases: Purchase History
- Financial Info: Other Financial Info
- Contact Info: Name, Email Address
Used for: Product Personalization, App Functionality
Alternatives to A Real Budget
Looking for apps like A Real Budget? Here are 6 similar apps on the App Store. The highest rated is Budget Clarity (5.0/5), and 5 of the 6 are free to download.
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Simple Balance Planner
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Casfow - Expense Tracker
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Savings Goals Pro
4.9
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Colbert - Financial Foresight
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Budget Clarity
5.0
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NextPayPlanner:Paycheck Budget
4.0
| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| A Real Budget | – | Free | April 24, 2026 | |
| Simple Balance Planner | – | Free | Sep 24, 2026 | Compare |
| Casfow - Expense Tracker | – | Free | Feb 14, 2026 | Compare |
| Savings Goals Pro | 4.9 / 5 (21) | 4.99 USD | Jan 11, 2024 | Compare |
| Colbert - Financial Foresight | – | Free | Dec 27, 2025 | Compare |
| Budget Clarity | 5.0 / 5 (1) | Free | Jun 24, 2026 | Compare |
| NextPayPlanner:Paycheck Budget | 4.0 / 5 (1) | Free | Mar 30, 2026 | Compare |
Compare A Real Budget with the top alternatives: ratings, updates, ASO score and keyword gaps →