All data stays on this device. Nothing is uploaded. No account required.
Want a heads-up before you cross the line?
RealTimeBudget can warn you at 50%, 75%, 90% and 100% of your weekly number, plus a daily check-in that reaches you even when the app is closed. The wording is written on your device from your own figures — your numbers are never sent anywhere.
Your streak
Period runway
Recent activity
Expenses
Where it goes
Current filterWeekly history
Weeks reset SundaySpending period
Discretionary money only. Rent, tuition, car payments and anything else already committed are not part of this — leaving them out is what makes the weekly number honest.
Income
OptionalOnly useful for sizing your next period. It does not change this week's number.
Recurring costs
Worth auditing twice a yearList every subscription you can find on two months of statements. Flag anything you would not buy again today, then go cancel it.
Money moves
Based on your own numbersLog a couple of weeks of spending and this page will point at the accounts and cards that actually fit the way you spend — not a generic top-ten list.
How this page makes money. Links marked Paid partner link earn RealTimeBudget a commission if you open an account. That never costs you anything, and it never changes what we show you — matches are calculated from your own logged spending before any partner is considered. Full disclosure.
This is information, not advice. RealTimeBudget is not a bank, broker or financial adviser, and nothing here is a recommendation to buy any specific product. Compare terms yourself before you open anything.
Preferences
No account, no sign-in, no server. Your name is only used to say hello on this device.
Alerts
With notifications on you also get a once-a-day check-in around 6pm, which arrives whether or not the app is open. It is written on your device from your own numbers — nothing about your spending is sent to us to produce it.
Do this too: turn on instant transaction alerts in your bank or card app. Your bank tells you money left; RealTimeBudget tells you what it costs you for the rest of the week.
Import a statement
Catch what you forgotAlmost every bank, card, Cash App, PayPal and Venmo account can export a CSV of your transactions. Drop that file here and RealTimeBudget will read it, skip anything already logged, and let you pick what to keep. The file is read inside this browser and never leaves your device.
Where to find it: bank or card website → Statements or Activity → Download → CSV. In Cash App: Activity → the three-dot menu → Export CSV.
Your data
Your data lives in this browser only. Clearing browser data, or switching phones, loses it. Download a backup at the end of every month.
About
RealTimeBudget answers one question: can I spend this, or not? It works the same whether you are living on a semester's spending money, a paycheck, a pension or a freelance month. It is also the companion tracker for the weekly-number system in Elevate Your College Experience. Version 3.1.0.