Kualto - Forecast Budgeting

Name: Kualto - Forecast Budgeting
Rating: 4.6 (68 reviews)
Author: Kualto LLC

by Kualto LLC

iPhone

Active Last checked 31 Jul 2026

App Store ↗

Quick verdict

What it is: Store information collected; independent summary not yet available.
At a glance: Free to download
In-app purchases

Categories and search queries

Official categories

Finance
Productivity

AppCorpus categories

Key functions

Function	Availability	Access	Scope	Evidence
Free app	Yes	Free	—	Store published
In-app purchases	Yes	Limited free	—	Store published

Screens

No screenshots collected yet.

Pricing & paywalls

App Store

Free to download
In-app purchases

Last verified 31 Jul 2026

Ratings & reviews

App Store

4.6 68 ratings · App Store

5/5Very good future budget planner
I really like this app. I used to use another app but it didn’t really sync between devices and I could only add one account. I like that I can budget for any account like credit cards too or savings. I also like the categories and how you can have subcategories like a food category and also a groceries and restaurant subcategory individually. Helps keep everything really organized. It would be nice if I could do a recurring purchase for like every Monday, Tuesday, Wednesday, etc instead of having to make recurring weekly purchases individually but that’s not too big of a deal. The only real negative is it’s sometimes slow when I first load up the app and when I go in to confirm recurring purchases have hit my account. It does it on my iPad mini and my iPhone 13 so I don’t think it’s my devices. It would be nice if it was a little more seamless but it doesn’t bother me that much. Hopefully they fix that but really good app if you can get past that! And worth the $5 a month to me. 🙂 **UPDATE** It does look like the app is more seamless and faster now. Idk if it was on their end or maybe my internet at the time but changing my review from 4 to 5. Definitely worth the $5 a month. Thank you all for creating my dream budgeting app!!! I’ve been looking for something like this for years! 😍❤️

Riccena · 31 Jul 2026
5/5A major part of my financial health
I started using kualto in 2018 and at this point I’d be lost without it! It helped me keep my eyes on the prize to buy my house in 2021, and is now helping me save to do improvements. I am not an abstract thinker when it comes to money, and the forecaster helps me see the long term implications of spending today. I need that positive or negative reinforcement every day to help me make good financial choices-and sometimes the good choice is splurge! Kualto has really made me feel in control of my choices and their consequences when it comes to money. And at $60/yr I have to just keep my mouth shut when my friends talk about the cost of YNAB or in-person budgeting services. The Kualto psychology works for me.

alimae1945 · 31 Jul 2026
4/5Why is everything in life a subscription now?
I love this app, read all the reviews, it does everything you’ve been looking for to forecast budgeting and balances and making sure you’re not late…. But why can’t it just have the option to be a stand alone app with a one time purchase? I don’t want or need to sync and access across the web onto computers. No log in or password. It’s a simple spend down budget with graphs, just the app on my phone is perfect. But a subscription for $50 a year? Forever? Wish there was a tier to simply buy the app outright, period. Don’t need another subscription in my life. *Also- seeing as how I’m going to have to pay it anyway, I do need this - my suggestion is to be able to see more than one week at a time. The option to see the whole month or many months in one scrolling page as opposed to arrowing through the weeks up too would be great.

Bobbycat1971 · 31 Jul 2026
5/5Changed my budgeting life
I’ve been using Kualto for a couple of years now and I just love it! Traditional budgets never worked for my brain. This actually works for me. When I first got it I spent months in obsessively playing with my numbers and figuring out how to pay down debt and save. Well my debt got paid off, my savings is in the best shape of my life and I just redid my budget again with the freedom to dream of home improvement projects and eventual retirement. I can see the big picture! That was never possible with the other ones. At least not for the way my brain works. It’s all manual so you do have to invest time and experimentation. Well worth it though.

ocalf · 31 Jul 2026
5/5Pays for Itself
Pros: Pays for itself because it prevents overdraft fees, saves time, and highlights expenses I don't need. The learning curve is short and the app is easy to use. Once you put in the effort of entering your income and expenses, the ongoing work is basically zero. Keeps me disciplined, helps me avoid living beyond my means, and makes it easier to save for emergencies instead of spending on luxuries. It even motivates me to work overtime because it clearly shows when my balance will go negative if income and spending stay the same. Cons: The balance adjustment feature doesn't let me adjust the balance for today specifically. For example, if today is November 25 and my real checking balance is $200, the app adjusts the entire Nov 23-29 range instead of only today. A single-day balance adjustment option would make forecasting even more accurate.

PhoenixLinx · 31 Jul 2026

Privacy & accessibility

App Store

Privacy

Data Linked to You — App Functionality — Contact Info — Email Address Developer declared
Data Linked to You — App Functionality — Identifiers — User ID Developer declared
Data Linked to You — Contact Info Developer declared
Data Linked to You — Identifiers Developer declared

Accessibility

No accessibility labels collected yet.

Versions

App Store

1.18
Sub categories are now supported (up to 2 levels down). This means for example, you can have a Food category, and a Restaurants category below it. In the category report, you will see the total for both the more specific category, as well as the total for the parent category. Some users said they were using more generic categories for some of their repeating transactions (for example, "Entertainment"), and they wanted to be able to distinguish between some of these repeating transactions. The way to do that now is to create more specific categories (for example, "Movies"), and choose the "Entertainment" category as the "parent" category. This creates the relationship between the two. The "child" category can also have its own "children" categories. We also improved the category report transactions page so that you can see part of the comment for each transaction without having to touch it (same for the transfer report transactions page).
1.19
- You can now forecast up to 30 years. - Performance improvements
1.20
- You can now change the first day of the week (the default is still Monday). - When making balance adjustments, the balance fields are now also enabled, so you can choose to enter the desired Cleared Balance, and the adjustment amount will be calculated automatically. - There is a new "Negative Balance Threshold" setting (default is 0). Anything below this amount will be considered negative by the Cash Flow view and the Balance Report. - When creating new accounts, and when starting over with existing accounts, you can now choose the account "start date" which is when the balance will be applied.
1.21
Performance enhancements and minor fixes.
1.22
Fixed issue that was causing duplicate transactions to be created when accidentally double tapping the "mark as scheduled" swipe action button on the cash flow screen.
1.23
New feature that makes repeating transaction instances fall back to Friday if they happen to fall on a weekend day. If you set this on your old repeating transactions, the change would only affect future instances of that transaction. Past instances would not be affected.
1.24
- Fixed issue that was causing a crash when saving transactions when using the dot as the currency thousand separator, and the comma as the decimal separator. - Fixed Cash Flow refresh issues that were showing up in newer iPhones. - Other minor fixes.
1.25
- Fixed issue with some overlapping labels in the Cash Flow screen on older iPhone versions. - Fixed crash that would sometimes occur with non-US currencies, when saving transactions.
1.26
- Fixed the font of the entries in the Balance Report page (it was too small).
1.27
Fix for an occasional crash that was occurring on the cash flow screen.
2.0.0
- New Cashflow screen look! - You can now see all the ending balance information (including the 'cleared' balance) for each individual day. - You can now add a balance adjustment after an individual day, as opposed to having to do it for the entire week. - You can now add notes to Repeating transactions. Those notes will end up as the default note for all individual transaction instances. - A calendar is now used to select dates, so you can see what day of the week your date falls on. - A new "default to Scheduled status" option has been added to Repeating transactions. - In the 'Transactions' and 'Category Report' screens, you can now select more than one account. A "long press" unselects all the "other" accounts. A double tap on an account will cause all of the accounts to be checked/selected.
2.1
- Based on initial feedback on version 2.0, we have made some tweaks to the Cashflow screen. - Fixed Balance Report issue that caused the week balance to not appear when the bars were tapped. - Fixed issue with the balance not showing in the Cashflow screen if no transactions exist in a particular week. - Other minor fixes.
2.1.1
- You can now, again, slide your fingers through the balance report to select the bars in the bar chart. This feature was missing in the 2.0 and 2.1 release. - Other minor fixes.
2.2.0
- Multiple accounts can now be selected on the Balance Report. If mixed account types are selected (credit card & bank accounts), the credit card account balances will be subtracted from the overall balance. If all accounts selected are of the same type, a sum of all account balances is shown. - When adding a transaction from the Cashflow screen, the account that is selected will be the default account for the new transaction. - Other minor enhancements.
2.2.10
Minor fixes and improvements.
2.2.11
Minor font-related fixes.
2.2.12 · 7 Jul 2025
Added filtering to the Categories screen to make it faster for you to find the category that you are looking for, when assigning one to a transaction.
2.2.2
Minor bug fixes and enhancements.
2.2.3
Minor bug fixes.
2.2.4
Fix for bug that was causing reports to not display after upgrading.
2.2.5
Minor bug fixes and enhancements.
2.2.6
Minor bug fixes.
2.2.7
- Bug fixes and enhancements. - We now support auto-renewing subscriptions. There is no need to manually purchase a subscription every month.
2.2.8
Bug fixes and enhancements.
2.2.9
Minor bug fixes and enhancements.

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Data quality & evidence

Page completeness: Live store listing
Last verified: 31 Jul 2026
Sources: App Store

Independent summary has not been published yet.
Screenshots: not yet collected

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GET /api/v3/apps/1217021017

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      "notes": "- You can now change the first day of the week (the default is still Monday). - When making balance adjustments, the balance fields are now also enabled, so you can choose to enter the desired Cleared Balance, and the adjustment amount will be calculated automatically. - There is a new \"Negative Balance Threshold\" setting (default is 0). Anything below this amount will be considered negative by the Cash Flow view and the Balance Report. - When creating new accounts, and when starting over with existing accounts, you can now choose the account \"start date\" which is when the balance will be applied."
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      "version": "1.21",
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      "version": "1.23",
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