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.
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 waiting for you in the demo, drawn by the same chart the app uses. Switch something on and see what it does to the months ahead.
- Income
- Spending
- Projected balance
- Buffer
Careful — the balance drops below the buffer in October 2026.
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?
Ebbe deliberately keeps things simple. There is no bank account to connect and no transaction feed you have to reconcile.
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.
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.
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.
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.
Fair and uncomplicated
Your data stays yours
Download your complete budget whenever you like and import it again here or on your own Ebbe server. 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 uses no analytics, loads nothing from third parties and sets no cookies, so there is no cookie banner. 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 documentationWhat Ebbe deliberately 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