Monthly Shock Planner
The budget app for bad months
Go beyond perfect spreadsheets. Monthly Shock Planner helps you build a real monthly budget, then replay rough months before they happen — so you can see what breaks first, what still holds, and how much reserve keeps the month stable.
Stress-test income drops, rent bumps, surprise bills, annual pileups, emergency travel, delayed paychecks, and more. Map your Shock Survival Layer: Must Protect, Can Bend, Can Pause, High Stress Trigger, and Safe Buffer Zone — with reserve guidance at minimum, comfortable, and stress-threshold levels.
Full monthly picture
Income, reserve, bills, debt, savings, and flexible spending — in one calm workspace.
Budget Shock Replay
Run realistic bad-month scenarios; combine multiple shocks in one replay for deeper testing.
Survival layer & history
See which categories need protection, save scenarios, and compare resilience over time.
Search & clarity
Find budgets, categories, scenarios, and notes quickly — designed to feel clear when money feels uncertain.
No subscriptions. No paywalls. No premium locks — the full experience is available at no cost.
Download on the App Store