See the months ahead at a glance
Start with today’s balance and choose the amount you would like to keep as a cushion. Ebbe shows how your balance may change and marks the months that fall below it.
In the manual: The forecast
See the tide before it turns
Ebbe projects your recurring income and fixed costs month by month, so you can see when it gets tight — before it does.
Try the demo
Explore an invented household without signing up. No email address, no password, and everything disappears after 60 minutes.
Have a quick look
This is the sample household from the demo, shown with the same chart as the app. Switch an item on to see how it changes the months ahead.
- Income
- Spending
- Projected balance
- Buffer
| Month | Income | Spending | Net | Projected balance |
|---|---|---|---|---|
| September 2026 | €3,700.00 | €2,683.87 | +€1,016.13 | €4,066.13 |
| October 2026 | €4,150.00 | €2,743.87 | +€1,406.13 | €5,472.26 |
| November 2026 | €3,700.00 | €3,330.77 | +€369.23 | €5,841.49 |
| December 2026 | €4,950.00 | €2,384.87 | +€2,565.13 | €8,406.62 |
| January 2027 | €4,150.00 | €3,993.87 | +€156.13 | €8,562.75 |
| February 2027 | €3,700.00 | €3,139.77 | +€560.23 | €9,122.98 |
| March 2027 | €3,700.00 | €2,651.87 | +€1,048.13 | €10,171.11 |
| April 2027 | €4,150.00 | €2,881.87 | +€1,268.13 | €11,439.24 |
| May 2027 | €3,700.00 | €2,560.77 | +€1,139.23 | €12,578.47 |
| June 2027 | €3,700.00 | €2,349.87 | +€1,350.13 | €13,928.60 |
| July 2027 | €4,150.00 | €2,544.87 | +€1,605.13 | €15,533.73 |
| August 2027 | €3,700.00 | €2,465.77 | +€1,234.23 | €16,767.96 |
| September 2027 | €3,700.00 | €2,453.87 | +€1,246.13 | €18,014.09 |
| October 2027 | €4,150.00 | €2,394.87 | +€1,755.13 | €19,769.22 |
| November 2027 | €3,700.00 | €2,385.77 | +€1,314.23 | €21,083.45 |
| December 2027 | €3,700.00 | €2,115.87 | +€1,584.13 | €22,667.58 |
| January 2028 | €4,150.00 | €3,063.87 | +€1,086.13 | €23,753.71 |
| February 2028 | €3,700.00 | €2,140.77 | +€1,559.23 | €25,312.94 |
| March 2028 | €3,700.00 | €2,301.87 | +€1,398.13 | €26,711.07 |
| April 2028 | €4,150.00 | €2,483.87 | +€1,666.13 | €28,377.20 |
| May 2028 | €3,700.00 | €2,326.77 | +€1,373.23 | €29,750.43 |
| June 2028 | €3,700.00 | €2,115.87 | +€1,584.13 | €31,334.56 |
| July 2028 | €4,150.00 | €2,451.87 | +€1,698.13 | €33,032.69 |
| August 2028 | €3,700.00 | €2,140.77 | +€1,559.23 | €34,591.92 |
The balance stays above the buffer the whole way.
These numbers never leave this page. Your browser does the calculation and forgets everything when you close it.
A budget is not only about the past
Many budget apps are good at sorting yesterday’s spending. Ebbe answers a different question: if everything continues as planned, what might your balance look like in a few months — and is there a difficult month hiding further ahead?
There is no bank account to connect and no transaction feed to reconcile. You decide which commitments belong in the forecast.
How Ebbe helps
Every payment in its own rhythm
Salary each month, insurance once a year, a bill every three months: add each item when it really occurs. Start and end dates, custom month patterns and yearly increases are there when you need them.
In the manual: Recurring items
Plan larger expenses and instalments
A holiday, winter tyres or a new laptop can be added as one expense or split into instalments. Equal payments are calculated to the cent; different amounts can be entered one by one.
In the manual: One-off items
Keep related costs together
Categories show where your money goes; tags connect costs that belong to the same plan. Tag the flight, apartment and travel insurance as one holiday and Ebbe shows the full amount in one place.
In the manual: Categories and tags
Understand your regular costs
Ebbe turns recurring costs into comparable monthly amounts. A €600 yearly premium becomes €50 a month, and estimates stay clearly marked as estimates.
In the manual: Analysis — where the money goes
Fair and uncomplicated
Your data stays yours
Download your complete budget whenever you like — readable JSON that needs nothing but a text editor to open — and import it again here. You can also export everything stored about your account. If you delete the account, its budget, history, sessions and settings are deleted with it.
Hosted in Germany
Ebbe is hosted, developed and operated in Germany. Personal data is handled in line with the GDPR and is not transferred to third countries.
Free for everyone
Ebbe has no plans, premium features or paywalls. It is funded by voluntary contributions from people who find it useful, so every feature can stay free for everyone.
No advertising, no tracking
Your numbers are not a product. This website loads nothing from third parties and sets no cookies, so there is no cookie banner. At most it counts which page was opened, on a server of its own and without recognising you beyond the day. The app only uses the session cookie that keeps you signed in.
An API, if you want one
If you enjoy connecting your own tools, Ebbe has a documented OpenAPI interface for the whole budget. It supports personal access tokens as well as OAuth 2.1 with PKCE.
Read the API documentationAI-ready for LLMs
Connect Ebbe to AI assistants and LLM tools such as Claude and ChatGPT through the Model Context Protocol (MCP). Then talk to your budget in natural language: ask about your forecast, or have your assistant add and update income and expenses.
Usable without a mouse
Ebbe can be operated entirely from the keyboard, and a skip link at the top of every page jumps past the navigation. Text can be made larger without anything breaking, and if your system asks for reduced motion, Ebbe stops animating. The charts carry their figures as a table, so nothing is hidden behind a mouse-over.
What works, and what does not yetYour account is protected
Your password is never stored in plain text. Ebbe stores a securely derived check value, and the identifier that keeps you signed in is hashed as well. Sign-in attempts are handled consistently for unknown addresses and wrong passwords, so the form does not reveal who has an account.
Take Ebbe with you
Ebbe runs in your browser on a phone, tablet, or computer. There is nothing to install, and every feature remains available on smaller screens. Add an expense while you are out or check whether the month has room for it.
What Ebbe leaves out
- It never asks for access to your bank. You enter only the figures you want Ebbe to know.
- Ebbe is not designed to track your day-to-day spending. You can still enter past items, and planned items remain visible after their date has passed.
- It does not show ads or paid recommendations.
- It does not lock you in. Your budget is always one download away.
Ebbe is a personal project
I built Ebbe because I wanted a simple way to look ahead without handing my bank data to another service. I develop and run it in my spare time.
There is no company or investor behind Ebbe. I pay for the server, the domain and the time I put into it myself.
Ebbe is free for everyone and I want to keep it that way. If it makes your planning a little easier, you can help with the running costs — only if it feels right for you.
Would you like to see Ebbe for yourself?
The demo is ready with an invented household. Take a look around without signing up; it deletes itself after 60 minutes.
Try the demo