FREEWARE

What's It all About...  
 
It is all about BUDGET FORECASTING : the key principle adopted by Budget4All is to take into consideration the FUTURE incomes/expenses expected. Consequently, this is not the right tool if you want to enter your past bills, to print checks, to know how your money has been spent for the past year, etc. The data displayed always starts with tomorrow's cash balance.  
 
The Concept of "Scenario"  
 
Data is organized around the simple concept of a "scenario", which is essentially a file containing a set of incomes and expenses that you specify according to your own needs. You may define as many scenarios as you want (there are just files anywhere on your computer).  
 
Each income or expense you define has several properties attached, such as the actual amount, the frequency, the starting and ending date, the annual growth if any, etc. You just set the values you want ! When Budget4All loads a scenario, it automatically runs a simulation using the data it contained and display the result in the main window as red curve that represents the evolution of the cash balance for the next 50 years. The first day covered by the simulation is actually the day after today.  
 
It is possible to specify an annual inflation rate for a scenario. It can be a simple constant number (e.g. 4%) or a complex table of values (you specify the rate for each year). The inflation is applied to every income/expense of the scenario on the first of January of every year, unless you have specifically indicated that inflation does not affect the income/expense...

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