Balance forecast apps: the ones that tell you how much money you'll have

What a balance forecast is (and isn't)

A balance forecast takes what you already know is going to happen (your salary on the 28th, the rent on the 1st, the car insurance in March, the one-off charge from your residents' association) and draws, day by day, how much money you'll have in each account. The question it answers isn't "where did my money go?" but "how much will I have in December?" and "which day do I go into the red, if I do at all?".

Some things look like it and aren't:

• A budget tells you how much you should spend per category. It doesn't tell you how much you'll have.
• A list of recurring payments shows you the next charges, but doesn't add them up against your balance or warn you about the day you won't make it.
• A spending prediction (what Fintonic does) estimates how much you'll spend on groceries this month based on your history. Useful, but a different thing.
• An "available balance" (balance minus committed payments) is a snapshot of today, not a curve going forward.

The ones that do project your balance

1. Cuéntamo

Forecasting is the heart of the app, not one more tab. You enter your regular income and expenses once (with different amounts per month if needed, like electricity in winter) and Cuéntamo generates the expected transactions and projects the balance of each account, day by day: 6 months on the free plan and up to 5 years on Cuéntamo Más. If an account is heading into the red, it tells you which one and on what day, with time to move money around. And the "can I afford it?" button drops a specific purchase into your real forecast so you can see how it lands.

Debts also go into the forecast, split by sign: what you owe lowers your firm balance, and what you're owed is shown separately, because getting paid depends on someone else. You don't need to connect your bank: enter things by hand, import your statement (CSV, Excel or ODS) or use Habeas, a browser extension that reads your transactions locally. Web, Android and iPhone.

2. Inveriok

Spanish, and one of the most complete apps on this list. It launched in summer 2026 and projects your money months or years ahead with a treasury calendar, has its own «can I afford it, and when?», and also tracks net worth, loans and investments. No bank linking: you type things in or upload your bank's Excel file. It runs on the web and iPhone, not Android. Its website doesn't say whether the forecast is per account or everything lumped together, which is exactly what decides whether it can warn you about the one account that goes into the red.

3. Aurio

Another Spanish app from this summer: it launched on 23 July 2026. It categorises your spending automatically, handles budgets, free and unlimited shared expense groups, net worth including crypto and shares (it imports trades from DeGiro, Interactive Brokers or Revolut), receipt scanning, a self-employed view with VAT and income tax estimated during the quarter, and an AI that answers questions about your data. Among all that there's a balance forecast at 30, 60 and 90 days, which its App Store listing puts on the Premium plan (€5.99/month or €49.99/year). It doesn't make you link your bank: it imports CSV, Excel, PDF, Norma 43 and OFX, and read-only bank connection is announced as "coming soon". It runs on iPhone and the web, not Android. It doesn't say whether the forecast is per account or everything lumped together.

4. PocketSmith

The international veteran: a daily forecast built from your budgets and the charges you put on its calendar, with very long horizons on the paid plans (up to 60 years). It can be used manually by importing files. The catch for Spain: it's English-only and priced in US dollars.

5. Cashflows Pro and Budget Scroll

A small, focused app: recurring items, transfers and one-off future transactions, with a balance chart that highlights negative zones and a warning balance. €2.99 one-off, available in Spanish and fully manual. Apple devices only.

Along the same lines, Budget Scroll (free, released in September 2026) shows your account as a vertical timeline with the expected balance for each day, with recurring items, multiple accounts and credit cards, and syncs through iCloud. It's available in Spanish and nine other languages, on iPhone and iPad only, and doesn't say how far ahead it projects.

6. Buxfer

Its "Forecast" feature combines your past spending with scheduled transactions and budgets, and warns you if your balance is about to drop below zero. It's on the paid plans (from $11.99/month), English-only and built around syncing with your bank.

7. Money Pro and Bluecoins

Two veterans, both available in Spanish, with some projection: Money Pro has a projected balance report based on planned bills and budgets, and Bluecoins offers a future projection on its Premium plan, based on scheduled reminders. Neither documents the horizon clearly, and in both the forecast is a report inside a tracking app rather than the starting point.

8. Wallet (BudgetBakers)

It shows the balance you'll have left after your planned payments and, in its outlook view, a forecast for the next period. It's a short glance, not a months-long projection per account. Bank sync is paid; manual use is free.

9. Lurio

Built for splitting expenses with a partner, friends or flatmates, it adds a cash-flow forecast with income, expenses and a weekly breakdown, so you can tell whether you'll make it to the end of the month. It projects 2, 4 or 8 weeks ahead and warns you if it expects a negative balance. Web, iOS and Android, €39.90 a year.

The ones that don't project your balance (even if it looks like they do)

Fintonic estimates your monthly spending per category and warns you when today's balance is low, but doesn't draw your future balance; it also works by linking your bank accounts. YNAB is envelope budgeting (its own documentation says so) and is English-only. Neto, Margen and Dinerio are Spanish apps focused on net worth and manual tracking; Margen has loan, mortgage and savings simulators, which aren't a forecast of your balance. Cashual answers "can I afford this?" with today's available balance. And Spendee, Monefy and Money Manager show upcoming recurring items in the list without adding them up against your balance. (Emma, which has something similar elsewhere, isn't available in Spain.)

How to choose

• Does it project per account? If your salary lands in one account and your bills go out of another, an overall forecast will fool you: you can have plenty of money in total and still go overdrawn in the account the bill comes out of.
• How far ahead? Three months is enough to get to the end of the month. For the autumn property tax, the extra pay packet or saving for a car, you need to see the whole year, or more.
• Recurring items with different amounts per month? Electricity, gas and heating don't cost the same in January as in July.
• Does it warn you ahead of time? The whole point is to find out weeks in advance, not on the day of the charge.
• Does it want your bank login? If you'd rather not hand it to anyone, look for apps that work with statement imports or manual entry.

Our pick: Cuéntamo

We have a stake in this, so here are the reasons, point by point against the list above:

• Per account, day by day. It tells you which account goes into the red and on what day, not just the total. Inveriok and Aurio don't say whether they forecast per account, and in Wallet, Money Pro or Bluecoins the forecast is a quick glance or a report.
• With the real amounts. Recurring items with a different amount each month (electricity in winter), and debts inside the forecast, split by sign.
• "Can I afford it?" on your real forecast, not in a separate simulator.
• Free, in Spanish and English, priced in euros. 6 months on the free plan, up to 5 years on Cuéntamo Más (€4.99/month), with no ads. Aurio's forecast goes up to 90 days and, according to its listing, is on its Premium plan. PocketSmith and Buxfer are English-only and charge in dollars.
• No bank login, on any device. By hand, importing your statement or with the Habeas extension; on the web, Android and iPhone. Inveriok and Aurio aren't on Android, and Cashflows Pro and Budget Scroll only run on Apple.

If you just want to log spending and see your net worth, any app in the second group will do; they simply won't tell you what's going to happen.