The Fudger is a cash-flow calendar — a day-by-day forecast of your bank balance, maintained by hand. Every paycheck and every bill you enter lands on the calendar day it really hits, and every day in between carries its own projected balance — so “am I okay ’til payday?” has an answer you can look at. No budgets, no envelopes, no spending limits — and it never connects to your bank. Call it a budgeting app for people who don’t budget.
Your bank app is a rear-view mirror — sharp about what already happened, blind to what’s scheduled. The Fudger looks forward: every future day carries its own balance, one edit re-flows every day after it, and when the bank says otherwise you type that number in yourself and the whole forecast falls in line.
The Fudger only knows what you type into it. Start small — just your bills and their due-dates — or give it your whole month and manage your cash flow day by day. This page is a working demo of The Fudger: answer three questions and build your own month, right in the browser. Nothing you type leaves it. The full app is in free, invite-only private beta.
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