Scary Budget

Many budgeting tools start with where the money went. What can my money support? Scary Budget starts there. Scary Budget treats budgeting as cash-flow planning for the money you live from. It models the funds you have, the money coming in, the commitments on your calendar, the payments you can move, and the pressure points those choices create. Add income, bills, subscriptions, transfers, card payments, payment plans, and one-time expenses. Scary Budget turns them into a daily checking forecast and helps reconcile that forecast against posted activity. One month becomes a reusable model for the weeks ahead. You can inspect each source, correct it, and see how changes flow through the forecast, credit views, and insights. This is the kind of thinking people use to run something with care. Know what is committed. Know what is flexible. Know what your funds can support before the decision arrives. WHAT SCARY BUDGET MODELS • See your checking balance ahead View your projected balance by day. See when money comes in, when money leaves, and where the tight days land. • Build a plan with real timing Model recurring bills, paychecks, transfers, subscriptions, credit card payments, payment plans, one-time expenses, variable amounts, and end dates. • Reconcile the plan with reality Compare posted bank activity with what you expected. Confirm matches, correct dates or amounts, archive what happened, and keep the forecast current. • Keep judgment in your hands Bank data is evidence. Your judgment remains the source of truth. Review the plan, correct the source, and keep the model yours. • Identify unclear charges Optional connected-inbox search can help find the receipt, item, order, service, subscription, or installment behind a confusing bank description. • Connect credit decisions to cash Track card balances, limits, utilization, APR, minimum payments, and payoff strategies alongside the checking forecast those payments affect. • Understand patterns without losing the source Explore spending by category, merchant, and month. BUILT FOR REAL FINANCIAL LIFE Scary Budget supports the questions that come up when timing matters. Will I be okay before payday? What is my lowest balance this month? Can I move this bill? Can I make an extra card payment? What changed since I made the plan? What was that charge? Your spending choices stay yours. Discretionary spending can stay discretionary. Net worth stays optional. Bank connection stays optional. FREE MANUAL MODE Scary Budget works without a bank connection. Manual planning, CSV import, forecasting, reconciliation, credit tools, insights, and export are free to use. OPTIONAL SCARY BUDGET+ Scary Budget+ adds live bank sync and connected-inbox search through a paid subscription. Bank sync reduces repetitive work. It does not replace the plan, and it is not required to understand your money. PRIVATE BY DESIGN Your saved financial plan is encrypted on your device before it is stored. Scary Budget does not sell your personal or financial information and does not show ads. Bank connections are read-only. Connected-inbox search is optional. SUBSCRIPTION DETAILS Scary Budget+ is available as a monthly or annual auto-renewing subscription through Google Play Billing. Subscriptions renew automatically unless canceled before the end of the current period. You can manage them from your Google Play account settings.