Rainy Day Budget makes managing a budget much easier. Best of all, "Rainy Day Budget" is free! Keeping a budget and controlling your spending can have outstanding benefits, including avoiding serious debt problems such as bankruptcy and foreclosure.

Keeping a budget and controlling your spending can have outstanding benefits, including avoiding serious debt problems such as bankruptcy and foreclosure. Rainy Day Budget makes creating, managing, and updating budgets simple. Use our intuitive user interface to easily add income sources, pre-tax and regular expenses, and savings funds.
The payday feature allows you to put in your paycheck amount and quickly see where your money needs to go. Also included is the capability to keep track of the balance of multiple savings funds located within the same bank account via the sub-account feature.

Some of the key features include:
1. Intuitive, easy to use user interface.
2. Automatic saving-as-you-go feature, so changes are never lost.
3. Easily add income sources, pre-tax expenses, other expenses, and savings funds.
4. Add expenses as cash amounts or percentages of income.
5. Sub-account feature to manage the balances of different savings funds easily, even if they don't reside in separate bank accounts.
6. Payday feature where you can input the amount of your paycheck and the software will determine where your money ought to go, according to your budget.
7. Easily view budget as annual, monthly, bi-monthly, or weekly.
8. Easy to read reports.
9. And much more!

Why Budget? Seven Benefits of Budgeting
1. Know what is going on. Personal budgeting allows you to know exactly how much money you have-even down to the penny, if you so desire. Furthermore, a budget is a self-education tool that shows you how your funds are allocated, how they are working for you, what your plans are for them, and how far along you are toward reaching your goals. "Knowledge is power," as the oft-quoted saying of George Eliot goes, and knowing about your money is the first step toward controlling it. That leads us to our next benefit:

2. Control. A budget is the key to enabling you to take charge of your finances. With a budget, you have the tools to decide exactly what is going to happen to your hard-earned money-and when. You can be in control of your money, instead of having your money limit what you do. This bears repeating: you can be in control of your money, instead of letting it control you!

3. Organization. Even in its simplest form, a budget systematizes, or divides, funds into categories of expenditures and savings. Beyond that, however, budgets can provide further organization by automatically providing records of all your monetary transactions. They can also provide the foundation for a simple filing system to organize bills, receipts, and financial statements.

4. Communication. If you are married, have a family, or share money with anyone, having a budget that you both (or all) create together is a key to resolving personal differences about money handling. The budget is a communication tool to discuss the priorities for where your money should be spent, as well as enabling all involved parties to "run" the system.

5. Take advantage of opportunities. Knowing the exact state of your personal monetary affairs, and being in control of them, allows you to take advantage of opportunities that you might otherwise miss. Have you ever wondered if you could afford something? With a budget, you will never have to wonder again-you will know.

6. Extra time. All your financial transactions are automatically organized for tax time, for creditor questions, in fact, for any query which may come up regarding how and when you spent money. Being armed with such information sure saves time digging through old records.

7. Extra money. This might well be everyone's favorite benefit. A budget will almost certainly produce extra money for you to do with as you wish. Hidden fees and lost interest paid to outsiders can be eliminated forever. Unnecessary expenditures, once identified, can be stripped out. Savings, even small ones, can be accumulated and made to work for you

The license of this software is Freeware, you can free download and free use this budgeting & expense software.