Calendar-based planning
Bills, paychecks, subscriptions, and spending live on the dates they actually affect your account.
Calendar-first budgeting for real-life cash timing
Budget by calendar, not by guessing.
CalBudget is a budget calendar app for planning bills, paychecks, subscriptions, and spending by date. This page explains how CalBudget turns a month into a day-by-day cash-flow forecast, why timing matters, and how the product works without a bank login.
Now available for iPhone and iPad
- 0
- bank logins required
- $2.99
- monthly plan
- 7 days
- annual trial
- 1
- future balance calendar
No bank login Daily forecast Recurring bills Private by design
RUNNING BALANCE
$8,429
▲ high $8,573
▼ low $2,219
Today · $8,429
Sun
Mon
Tue
Wed
Thu
Fri
Sat
1$2,252.58
2$2,237.59
3$2,219.20
4$2,219.20
5$5,459.20
6$5,414.20
7$5,286.36
8$5,192.14
9$5,112.15
10$5,082.16
11$5,023.85
12$4,953.46
13$4,566.46
14$4,547.71
15$5,381.72
16$5,290.29
17$5,256.10
18$5,250.50
19$8,490.50
20$8,449.50
21$8,252.00
22$8,200.22
23$8,110.82
24$8,072.83
25$8,572.83
26$8,429.21
27$8,394.21
28$8,235.22
29$8,035.22
30$8,021.23
31$7,999.13
Drag a transaction, or select one and move it by day.
Select a transaction, then move it by day or choose a calendar day.
Product demo
Now it is the product demo.
The calendar that starts as the hero visual lands here as the interactive product preview. Drag a bill, shift a payment, or select a transaction and move it by day.
1
Rent
Balance after: $1,020
-$1,850
5
Paycheck
Balance after: $4,238
+$3,240
8
Electric
Balance after: $3,914
-$94
13
Car
Balance after: $3,231
-$387
Why budget apps miss the moment
The problem is timing, not just spending.
A category budget tells you where money went. A calendar budget shows whether the account survives the days between paychecks.
Will rent hit before payday?
What is my lowest balance this month?
Can I move that bill two days?
Which day gets tight?
Will rent hit before payday?
What is my lowest balance this month?
Can I move that bill two days?
Which day gets tight?
Will rent hit before payday?
What is my lowest balance this month?
Can I move that bill two days?
Which day gets tight?
Will rent hit before payday?
What is my lowest balance this month?
Can I move that bill two days?
Which day gets tight?
How much survives after subscriptions?
What happens if groceries move?
Can I afford the car payment?
When does the next paycheck help?
How much survives after subscriptions?
What happens if groceries move?
Can I afford the car payment?
When does the next paycheck help?
How much survives after subscriptions?
What happens if groceries move?
Can I afford the car payment?
When does the next paycheck help?
How much survives after subscriptions?
What happens if groceries move?
Can I afford the car payment?
When does the next paycheck help?
Which bill creates the dip?
What does the month look like ahead?
Do I need to delay a payment?
Is the account safe until Friday?
Which bill creates the dip?
What does the month look like ahead?
Do I need to delay a payment?
Is the account safe until Friday?
Which bill creates the dip?
What does the month look like ahead?
Do I need to delay a payment?
Is the account safe until Friday?
Which bill creates the dip?
What does the month look like ahead?
Do I need to delay a payment?
Is the account safe until Friday?
Totals hide tight days
Category budgets can look healthy while the account gets squeezed between rent, groceries, and the next deposit.
Timing becomes visible
Every bill, paycheck, subscription, and planned purchase sits on the date it actually changes your balance.
Plans are easy to adjust
Drag a transaction, shift a payment, and see the projected balance change without rebuilding a spreadsheet.
The forecast is the point
CalBudget looks forward, so you can spot the lowest future day before the bank app tells you what already happened.
Financial clarity
The number that matters is the lowest future day.
CalBudget carries your balance forward after every planned transaction so you can see the low point, not just the end of the month.
Projected balance this month
$6,287
Low day: $1,020
Features
Everything points back to the calendar.
The toolset is intentionally focused: plan real dates, forecast the balance, repeat predictable transactions, and keep the month understandable.
Daily balance forecast
Every day shows the projected balance after planned transactions clear.
Recurring rules
Set monthly rent, biweekly paychecks, weekly groceries, and annual renewals once.
Drag-and-drop timing
Move a payment and instantly see how it changes the rest of the month.
CSV import
Bring in bank exports when history helps, without giving a third party your bank login.
Debt payoff planning
Plan minimums and extra payments without breaking the cash-flow calendar.
Trust model
Built for people who want control, not another bank connection.
CalBudget is manual-first by design. Add what you know, import when useful, and keep your forecast easy to understand.
No bank login required
Simple monthly or annual pricing
Cancel anytime
Private by design
Simple enough to keep using
$2.99/month or $29.99/year. One plan includes every core feature.
Source basis
Built around dated cash-flow risk, not generic budget advice.
CalBudget’s homepage claims are tied to the product’s own demo data and to public consumer-finance sources. The page does not claim customer outcomes, review scores, or independent awards.
The CFPB defines the core risk plainly: “An overdraft occurs when you don’t have enough money in your account to cover a transaction.”
Consumer Financial Protection Bureau, Ask CFPB
Original demo methodology
The sample forecast is an illustrative CalBudget month.
The numbers shown on this page are product-demo data, not customer analytics. They demonstrate how dated transactions change a running balance.
Day 1
-$1,850
Rent
Shows the immediate pressure point at the start of the month.
Day 5
+$3,240
Paycheck
Shows how income timing changes the rest of the forecast.
Day 8
-$94
Electric
Shows ordinary fixed bills as dated events.
Day 13
-$387
Car payment
Shows why payment timing matters before the next paycheck.
Day 19
+$3,240
Paycheck
Shows the second income event in the sample month.
Day 28
-$156
Insurance
Shows late-month obligations before the next cycle.
Pricing
One calm plan.
Choose monthly for $2.99, or annual for $29.99 with a 7-day trial. All core calendar, import, report, and debt tools are included.
Everything needed to build your month:
Daily running balance view
Multi-month cash flow projection
Recurring transaction engine
Category tracking & monthly reports
CSV bank import
Unlimited transactions & accounts
Quick-add bookmarks
Mobile-friendly interface
No bank login required
No card required for the annual trial
Cancel anytime
One plan includes every core feature
Billing period
Annual starts with 7 days free and saves $5.89 compared with 12 monthly payments.
7-day free trial
$29.9929.99 /yr
That's $2.50/mo, billed annually.
Compared with monthly
$
regular yearly equivalent
No card today. Access pauses after 7 days until payment is added.
FAQ
A few things people ask first.
The short version: no bank login, no complicated tiers, and no need to rebuild your budget from scratch every month.
No. CalBudget is manual-first. You enter your balance and planned transactions yourself, and you can import CSV exports when history helps.
It is the projected balance for each calendar day after that day's bills, income, and planned spending clear. It turns "will I have enough?" into something you can answer before the day arrives.
It solves the same cash-flow forecasting job people often build in spreadsheets, but the calendar, recurring rules, running balance math, and rescheduling workflow are built in.
Yes. Add expected income on the dates you expect it, then update the amount or date when reality changes. The forecast is a working plan, not a promise.
Yes. You can create multiple accounts and switch between their calendars, balances, reports, and transaction history.
Set a frequency such as weekly, biweekly, monthly, or yearly, and CalBudget creates future occurrences so your calendar stays forecastable.
CalBudget starts with a 7-day free trial. No card is required. After the trial, continue for $2.99 per month or $29.99 per year.
Access pauses after the 7-day trial until payment is added. Your plan is not deleted just because the trial ends.
Yes. You can cancel your subscription any time, and you will keep access through the end of the billing period you already paid for.
Yes. CalBudget is built to work in a mobile browser, including Safari on iPhone, so you can update your budget without installing an app.
CalBudget helps you schedule minimums and extra payments against your real cash-flow calendar. It does not give financial advice, but it makes the timing impact visible.
Yes. You can import CSV exports from your bank or another budget tool, then review and categorize the transactions in CalBudget.
No. CalBudget is a planning and tracking tool, not a financial advisor. It helps organize your information so you can make your own decisions.
Guides
Learn the calendar-first method.
Practical writing on bill timing, running balances, recurring expenses, and better cash-flow decisions.
Build your first useful month today
Know the balance before the day arrives.
Add the bills and paychecks you already know, then let the calendar show the rest of the month.