OutBudget

Short version

OutBudget is a web app built around a forecast rather than a monthly spending limit. You describe what you expect your money to do over the next 12 to 60 months, then log real transactions and watch how far they drift from the plan. It handles several currencies natively and exports CSV. It has no bank connection, so transactions are entered by hand.

Research-based profile, not hands-on testing. Refreshed on 2026-10-07 from the vendor's pricing, roadmap, security, privacy and guide pages. I did not sign up, start the trial or connect a bank.

How the method works

The building block is an assumption, not a category. Each one is fixed, one-time, every X months, seasonal or a percentage of income, and can grow with inflation or a fixed yearly amount. Any single month can be overridden. For costs with a known amount but an uncertain month, a floating obligation reserves the money inside a window and plans for the most cautious month; the guide says these are deliberately not envelopes and do not roll over unnoticed. Budget and analytics views then show actual vs forecast variance.

Cost

• EUR 14.99/month on a single Pro plan with everything included
• An annual toggle exists, but the annual price was not visible in the fetched text
• 45-day trial, no card required; after it the account turns read-only unless you pick a plan, with data exportable for 30 days
• 14-day refund on the first payment

Data and privacy

The vendor says it does not sell data, share it with advertisers or train models on it. Data sits in Supabase Postgres in AWS London, encrypted in transit (TLS 1.3) and at rest (AES-256), with row-level security. Deleting an account removes live data within 24 hours and backups within 7 days. The operator is OutBudget LLC, a Wyoming company. Optional product analytics and error replay load only with consent. Multi-factor sign-in is not available yet and I found no independent audit.

What could not be confirmed

• Conflicting vendor pages: the pricing page lists unlimited scenarios and what-if planning, but the home page and roadmap show both as coming soon. CSV import is also listed on the pricing page and as an upcoming roadmap item.
• Billing status: the privacy policy and subprocessor list say Stripe is used 'when paid plans launch', so I cannot tell whether paid billing is live.
• Annual price, founded year, shared budgets, multiple budgets, debt payoff and investment tracking, bill reminders.
• Home page says data is stored 'in the EU'; the security page names London, so the more specific page is used here.
• Very little independent feedback found.

Who it suits

People paid and spending in different currencies, or planning a move, career break or large purchase a few years out, who are happy to enter transactions manually and review monthly. People who want automatic bank import, envelope-style limits or a native mobile app should look elsewhere for now.

Ratings are set separately against a shared rubric.