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Master your money. Forecast your future.
Master your money. Forecast your future.
A private, single-file budgeting app that shows your running balance months ahead — so you see trouble early.
What it is
What it is
Budget Smarter is Andy’s HTML budgeting app for Work Smarter Not Harder. Everything runs in your browser. No account. No bank login. You Save and Load a JSON file you keep yourself.
Why it stands out
Why it stands out
Running-balance forecast
Running-balance forecast
See every income and expense, transaction by transaction, up to two years out.
Placeholders that reserve the rest
Placeholders that reserve the rest
Unspent category goals stay reserved in the forecast automatically.
Change one payment without breaking the rule
Change one payment without breaking the rule
Override or skip a single occurrence; the recurring schedule stays intact.
Private by design
Private by design
No account, no cloud sync, no tracking in the app. Your data leaves the browser only when you save a file.
View From any date
View From any date
Jump the table to a date and carry the balance forward so you can plan from next month or next year.
One HTML file
One HTML file
Download once; flexible schedules (including custom every-N) with optional end dates.
Watch how it works
Watch how it works
Short demo clips from the Budget Smarter series will live here as each episode goes public. Meanwhile, explore free Carter family sample files on Free downloads, or grab the app on Etsy.
Ready when you are
Ready when you are
Get Budget Smarter on Etsy — same listing used in every video description.
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