iPhone app that logs expenses by voice or text and forecasts upcoming recurring spending.
- Expense tracking
- Forecasting
- Financial management
OutBudget
Five-year personal finance forecasting with multi-currency accounts
Research-based review, not hands-on testing. Last researched .
Overview
OutBudget is a web app that starts from a planned forecast of income, fixed costs and irregular expenses up to five years ahead, then compares logged transactions against that plan. It handles multiple currencies natively and imports and exports CSV. It has no bank connection; transactions are entered manually or imported.
Best for: People with multi-currency finances who want to model irregular expenses and long-range cash position
Pros and cons
Pros
- Long-range forecast (up to five years) including lumpy annual expenses
- Native multi-currency accounts, converted at display time
- Actual vs forecast variance view highlights drift early
- Full CSV export and import; 14-day refund and 45-day no-card trial
- Clear privacy stance: no data sales, no model training; encrypted in transit and at rest
Cons
- No bank sync yet; bank import listed as coming soon
- Scenarios and what-if analysis still on the roadmap
- Single relatively expensive plan (€14.99/month) and no free tier after the trial
- Web only; no mobile app, and multi-factor authentication is only on the roadmap
- No envelope or zero-based budgeting
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync not included
- Manual transaction entry included
- Goal tracking not confirmed not confirmed
- Debt payoff tools not confirmed not confirmed
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency included
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Five-year forecast, multi-currency, budget tracking with variance analysis, reconciliation, analytics and category trends, CSV import/export
Our review
Short version
OutBudget is a web app that starts from a planned forecast of income, fixed costs and irregular expenses up to five years ahead, then compares logged transactions against that plan. It handles multiple currencies natively and imports and exports CSV. It has no bank connection; transactions are entered manually or imported.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- €14.99/month (Pro, single plan)
- Annual toggle exists but the annual price was not visible in the fetched text
- Trial: 45 days, no credit card required
Not confirmed
founded year; annual price; goal tracking; debt payoff; envelope budgeting; shared budgets; investment tracking; developer team; bill reminders; multiple budgets.
Notes
Home page says data stored 'in the EU' while the security page names AWS eu-west-2 (London).
Ratings are set separately against a shared rubric.
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