Monthly budgeting, projected forward
See the month your money recovers.
Enter your income, fixed and variable spending, insurance and investment premiums, and your loans. Budget Runway rolls it forward month by month — through every currency you use — and shows you when each loan clears and what you'll have saved by any date you pick.
Free plan is ad-supported. No card required.
What it does
Every currency you deal with
Give each income line and each bill its own currency. Set the exchange rates once; everything is converted to the base currency you choose.
Scheduled & future income
A bonus in December, a pay rise from March — drop in the amount and the month. One-offs land once; ongoing changes carry forward.
Loans that actually end
Set each loan's monthly repayment and its final month. The projection shows the balance climbing faster the moment a loan clears.
The month you recover
Start from an overdraft and Budget Runway tells you exactly which month you're back in the black — and what you'll have saved by any future date.
How a projection comes together
- List the recurring money. Salary and side income; rent, groceries, subscriptions; insurance and pension contributions. Each with its own currency.
- Add what changes. A future pay rise, a year-end bonus, a tax refund — with the month it happens.
- Enter your loans. Monthly repayment and the month the loan finishes.
- Read the runway. A chart of your projected balance, the date you're back in the black, the month each loan clears, and your surplus once they're gone.
Pricing
Free
€0
- The full planner and projection
- Multiple budgets
- Every currency, scheduled income, loan payoff dates
- Supported by ads
Premium
coming soon
- Everything in Free
- No ads
- Higher limits as they roll out
- Priority on feature requests
Questions
Does it connect to my bank?
No. You type in the figures. Nothing is read from your accounts, and your numbers are only ever visible to you.
Are the exchange rates live?
No — you enter them by hand and they're held constant across the projection. Update them whenever you like. This keeps the projection predictable and your data self-contained.
What's free and what's paid?
The planner is free to use, supported by ads. Premium removes the ads and unlocks higher limits as they roll out.
Where is my data stored?
In a Postgres database hosted in the EU, tied to your account. You can delete everything at any time from your account page.