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CalBudget is a calendar-first way to plan your money. Instead of starting with a category report, you place income, bills, subscriptions, debt payments, and planned spending on their real dates. The calendar then shows how each day affects your running balance.
CalBudget month calendar showing scheduled transactions and daily balances

CalBudget month calendar

Plan by date

Put paychecks, bills, subscriptions, debt payments, and flexible spending on the days they affect your account.

Watch the low point

Use the projected daily balance to find the tightest day before it arrives.

Adjust the month

Move dates, edit amounts, mark items cleared, and let recurring transactions keep future months filled in.

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What the calendar helps you see

The calendar is built for practical cash-flow questions:
  • Can this account make it to the next paycheck?
  • Which bills land before income arrives?
  • What happens if a payment moves by a few days?
  • Which future dates need attention?
  • How much room is left after recurring expenses?
Each account has its own forecast. Your starting account balance, past transactions, planned future transactions, and recurring series all work together to create the daily balance shown on the calendar.

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Core pieces

Accounts

Hold the money you want to plan, such as checking, savings, credit card, or debt payoff accounts.

Transactions

Dated income or expense items. A transaction can be one-time or recurring, planned or cleared, and can include notes or a website URL.

Categories

Keep income and expenses organized. Income categories increase the running balance. Expense categories decrease it.

Recurring transactions

Create future copies of bills, paychecks, subscriptions, transfers, and other repeat items so the forecast does not go blank after this month.

Recurring balances

Track progress on repeat payments or deposits, such as paying down a loan or building toward a savings goal.

Bookmarks

Save transaction templates for things you add often.

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Planned vs. cleared

CalBudget separates planning from what has already happened.
  • Planned transactions are future or not-yet-confirmed items in your calendar.
  • Cleared transactions are items you have confirmed against real account activity.
Use planned transactions to forecast the month. Mark items cleared when they actually post or when you are confident they are complete.

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Where to start

For a useful first forecast, add:
  1. Your main spending account.
  2. The current account balance.
  3. Your next paycheck or income date.
  4. Your biggest monthly bills.
  5. Any subscriptions or repeat payments that could surprise you.
Once those are on the calendar, the daily balance becomes the planning surface. You can move transactions, edit amounts, mark items cleared, and add recurring schedules as the month changes.
Start with the next 30 days, not your entire financial life. CalBudget becomes useful as soon as the next paycheck and the largest bills are on the calendar.