Costs to Expect API

Budget Pro

Budget Pro is a planning-first budgeting app for people who want control before they spend, not after. Most budgeting tools show you what you’ve already spent. Budget Pro shows you what’s coming next — and lets you change it before it happens.

Add your income, expenses, savings and transfers between your own accounts, tell Budget Pro when each one lands, and watch your projected balances update as you make changes. No bank login, no Open Banking, just you in control of your numbers.

• See what happens next. Live projections for every account over a rolling three or six months, plus a combined monthly view of income, spending and projected closing balance.
• Model real money. Monthly, four-weekly, annual and one-off schedules, one-month adjustments and skipped months, built for four-weekly pay and irregular income.
• Save towards goals. Set a target on a savings account, use the calculators to see the monthly amount you need, and get a projected completion date based on your current rate.
• Up to three budgets. Each with its own accounts and currency, in sterling, euro, US, Canadian, Australian or New Zealand dollars, or Indian rupees.
• A history you can trust. Every item keeps a change history recording amounts, payments and adjustments, who changed them and when.

Try it free for 30 days, no card needed. If you keep it, it’s a single payment of £89.99 for lifetime access, including future updates, with no subscription.

Cashflow

Money in. Money out. Allocated where it belongs. Cashflow tracks the money you spend and the money you receive, record each entry once, split it by percentage and see your running totals.

Built for keeping tabs on a handful of projects, a few properties or one small business.

• Split by percentage. Share one entry across projects, properties or clients in proportion to how it actually breaks down, each with its own colour and a bar showing its share.
• Separate trackers for separate things. Create a tracker for each thing you manage, for expenses or for transactions, each with its own resources, categories, reporting periods and default split.
• Reporting periods that fit. Define windows such as a financial year or school term, switch your totals between them, or view everything to date.
• More than one currency. Every currency gets its own total, nothing is ever converted or added together.
• Make it fit. Tag entries with categories and subcategories, or switch them off for a quicker form.

Cashflow is in alpha, so expect some rough edges and changes, recurring expenses are still being finished. Sign in with your Costs to Expect account, or get in touch if you’d like access.

Budget

A free powerful easy to use open source budgeting tool powered by the Costs to Expect API. A budgeting tool so easy to use, it’s child play!

Add your income, expenses and savings, then see how your balances will look over the coming months. Change an amount, a date or an item and the projections update instantly. Not sure yet? Try the demo first.

• Instant projections. Every change you make updates your projected balances straight away.
• Flexible scheduling. Monthly, annual and one-off items, ad-hoc adjustments to amounts, and the option to exclude chosen months.
• Your currency. Budget in GBP, USD, EUR, CAD, AUD, NZD or INR.
• Open source. Free to use, MIT licensed, and powered by the Costs to Expect API.
• Room to grow. One budget, up to three projection accounts and 100 budget items. When you need more, Budget Pro can import your budget.

Yahtzee Game Scorer

A fun little project powered by the Costs to Expect API, no more designated scorer, everyone gets a score sheet. You bring the dice, we’ll do the maths.

One player signs in and picks who’s playing, everyone else gets a link to their own score sheet. Nobody else needs an account or an app.

• A sheet for everyone. Each player scores on their own phone, so nobody gets stuck being the scorer.
• Nothing to install. It runs in the browser and it’s free. Only the player who starts the game needs an account.
• The maths is done for you. Tap a scoring combination and record how it went, totals and the upper bonus are calculated automatically.
• Everyone sees everything. Every player can see every score as the game goes on, and the current leader gets a crown.
• Play again in one tap. Reuse the same players for the next game, and the winner of every finished game is saved to your history.

Not sure yet? Try the demo score sheet without signing in, nothing is saved.

Yatzy Game Scorer

We built Yahtzee so figured why not build Yatzy as well. We haven't yet decided which version of the game we enjoy more.

Same idea as our Yahtzee scorer, shareable score sheets so no one has to be the scorer, with upper and lower section scores, bonuses and totals tracked for every player.

• Score from a link. Every player opens their own score sheet, with no sign-up and nothing to install.
• See who’s winning. Everyone can see everyone’s scores, with a crown for the current leader.
• Quick rematches. Play again with the same people in one tap, and the winner is saved to your history when the last turn is played.
• Free to use. Try the demo score sheet without signing in, nothing is saved.

Scrabble Game Scorer

A game scorer powered by the Costs to Expect API. You still find the letters and play the words, we’ll keep count of the words, the bingos and who is winning.

One player signs in and chooses two to four players. Score every turn yourself on one screen, or give each player a link so they can add their own words on their phone.

• Add a turn in seconds. Type the word, enter its score and tap add. Playing all seven tiles earns a one-tap 50-point bingo, and the next player is shown.
• Tile by tile, if you like. Tap each letter to mark a double or triple square, a blank or a letter already on the board and the score adds up automatically, a nice way for children to see how the points are made.
• Every word, counted. The highest and lowest scoring words, the longest word, every bingo and the winner are saved to your history and stats when you finish the game.
• Records over time. Your average word, bingos, wins, closest game and biggest win.
• Free, nothing to install. It runs in the browser, player links need no app or sign-up, and replaying with the same group is a single tap.

Not sure yet? Try the score sheet on the home page without signing in, nothing is saved.

Social Experiment

We are running a social experiment where we are tracking the costs to raise a child in the UK.

Since 2013 we’ve been logging the expenses for raising our two children and publishing the figures openly. More than £100,000 has been recorded so far, real costs from childcare and education to Christmas and hobbies.

• Every expense in context. Each entry has a date, a category, a subcategory and a total cost.
• Shared costs, allocated. Costs that cover more than one child, like the weekly shop, are allocated to each child as a percentage.
• Drill down. Browse totals per child and combined, then dig into the figures by year, category and subcategory.
• Powered by the API. Every figure is served by the Costs to Expect API, a real-world example of what you can build with it.