Kualto - Forecast Budgeting is a free iPhone application developed by Kualto LLC. It falls under the category of Business & Productivity, specifically in the Finance subcategory. This app acts as a crystal ball, providing users with insights into their future financial situations.

With Kualto, users can track their spending, plan ahead, and forecast their cash flow and account balance. The app allows users to pay off their debts by providing a Balance Report that shows how long it will take to pay off the debt and identifies any potential red flags in advance.

Unlike other budgeting applications that focus on past spending, Kualto emphasizes future projections. Users can project their beginning and ending balances each week, enabling them to make informed financial decisions.

One of the key features of Kualto is its ability to show the consequences of decisions before they are made. Users can explore "what if" scenarios to make better choices. The app also provides transaction statuses to keep track of upcoming and paid bills, ensuring timely payments and avoiding late fees.

Kualto offers convenient access to users' accounts via the app or a browser, eliminating the need for manual syncing or backups. Users can enter their current balance, bills, and income, and track their balance over time, with the ability to navigate up to 30 years into the future.

It's important to note that after the 30-day trial, users must subscribe to continue using the app. The subscriptions are auto-renewing, and users can choose between an Annual or Monthly subscription.

Overall, Kualto - Forecast Budgeting is a valuable tool for individuals looking to gain control over their finances and make informed financial decisions for a more secure future.